Credit Risk Analyst

About the job

ICG Risk Analysis (IRAUs) is an integral part of the Institutional Credit Management (ÒICMÓ) organization. The IRAUÕs mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to ICG Risk and Banking, Capital Markets and AdvisoryÕs (BCMA) shared commitment to ensuring the safety and soundness of wholesale lending across ICG.

ICG Risk Analysis Credit Risk Analysts are responsible for a portfolio of ICG Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio & Industry Reviews and Stress Testing.

This role has responsibility for the portfolio of Specific Industry Relationships and the role reports directly to the ICG Risk Analysis (IRAU) Credit Risk Team Lead of respective industry.

Key Responsibilities:

Assess the credit and financial strength of CitiÕs counterparts by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors

Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of CitiÕs Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite

Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to IRAU Team Leads, ICG Risk and BCMA partners

Partnership with applicable regional and industry stakeholders in BCMA and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios

Support ICG Risk Analysis Voice of the Employee (VOE) initiatives

Travel (less than 10%)

Knowledge/Experience:

Fundamental analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues

Demonstrates basic knowledge of financial statements and GAAP accounting or similar governance relating to country of operation

Displays basic industry research capabilities, including risk and key drivers

Basic understanding of Credit Policy and procedures; proactively refers to resources as needed

Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly

Skills/Competencies:

Assists colleagues in identifying stretch opportunities to elevate individual and team performance

Proven culture carrier

Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority

Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively

Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority

Microsoft Office (Word, Excel, and PowerPoint) skills

Qualifications:

BA/BSc or higher degree in Business (MBA), or any other related subject