ICM UW Credit Risk Analyst - C10 – Officer

Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi’s institutional clients. ICM’s objective is to provide integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise. Within ICM, the Credit Underwriting function (“ICM UW” or “UW”) provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking, Services, and Markets relationships.

ICM UW is an integral part of the Institutional Credit Management (“ICM”) organization. The analyst’s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration acting as a partner to Banking & International Risk and Corporate Banking to execute our shared commitment to ensuring the safety and soundness of wholesale lending across Client Organization.

ICM UW Analysts are responsible for a portfolio of 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.

A Credit Risk Analyst is expected to have a basic understanding of credit risk, leveraging off an academic background Finance, Accounting, or Business Administration. They should need close supervision from their respective Team Lead but take each interaction as an opportunity to further learn about credit risk, industry fundamentals, effective writing, and communication.

This role has responsibility for the Energy, Transportation and Industrials portfolio and the role reports directly to the Staffer.

Key Responsibilities:

· Assess the credit and financial strength of Citi’s counterparts by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors

· Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR) of Citi’s Counterparties based on independent assessment and judgement; completed based on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Citi’s risk appetite

· Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to underwriter, senior management, and business partners

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

· Support ICM UW Voice of the Employee (VOE) initiatives

Skills/Competencies:

· Risk & Credit Underwriting:

• Fundamental analytical skills, including an understanding of key financial components (liquidity position, leverage profile, etc.) 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

· Leadership:

• Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more

• Embraces the need for change and appreciates its benefits with natural curiosity

• Demonstrates professionalism by being reliable, actively contributing in meetings, asking questions and challenging ideas

· Interpersonal:

• Interpersonal skills, with the ability to build relationships

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

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

· Technical:

• Microsoft Office (Word, Excel, and PowerPoint) skills

• Knowledge of financial modeling concepts

Qualifications:

· Bachelor’s/University degree or equivalent experience

· Financial Services experience including 0-2 years of credit experience in banking or credit risk management

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