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CCB Risk Credit Officer - Vice President (Hybrid)

Job Req ID 22573547 Location(s) Kuala Lumpur, Malaysia Job Category Risk Management
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The CCB Risk Credit Officer is an intermediate-level position responsible for approving and managing Citi’s Commercial Banking risk exposure in Malaysia in coordination with the 1st Line of Defense and Risk Management team. The primary objective of this role is to manage Citi's Commercial Banking credit portfolio in accordance with Citi and regulatory requirements.


  • Work as an Independent Risk Approver focusing on Commercial Banking relationships. Partnering with the sales and analyst team, providing value-added input supporting development of financing solutions within Citi’s Target Market and Risk Acceptance Criteria and overall Risk Appetite.   
  • Work closely with the Malaysia Risk Management team in performing portfolio management tasks including rapid portfolio reviews, stress testing, and governance activities.
  • Participate in developing, testing, and optimizing credit processes, ensuring consistency and regulatory compliance, and assist in the implementation and/or development of those policies, processes and other related initiatives.
  • Working closely with Business and Analyst team in reviewing and resolving issues and bottlenecks around outstanding credit applications and process. Ensure timely completion of credit approval packages, including annual reviews, interim reviews, monitoring memos and new credit proposals.
  • Take leadership in monitoring account status, collecting market intelligence, working with business & analysts to evaluate the situation and determine necessary actions.
  • Learning about a broad range of industries and developing a deep level of expertise on Citi’s credit, policies and practices
  • Maintain an in-depth knowledge of Citi credit policies and procedures and applicable local and U.S. regulations in achieving compliance and satisfactory internal and external audit results
  • Participate in Global Industry Workstreams (as needed), providing input which supports development of industry specific strategies.   
  • Ensure safe, sound and timely underwriting practices and overall leadership of Citibank credit standards


  • Degree holder with a minimum eight years of experience in corporate/commercial bank risk management and/or financing
  • Strong analytical skills with ability to process complex information and structure a financing solution with strong attention to detail and ability to deliver risk – reward balanced outcomes. Confidence to present high-quality credit recommendations.
  • Ability to work with bankers and analysts in analyzing complex credits and monitoring the portfolio with the goal of proactively managing the portfolio within Citi’s Risk Appetite.  
  • Ability to adjust plans and priorities when necessary to meet evolving client and business needs
  • Highly independent with strong self-initiation and is able to work under pressure with minimum supervision
  • Ability to embrace new technology and understand the role digital plays in the experience we deliver for our clients with focus on process discipline and improvement
  • Sound understanding of cash, trade and derivative products. Good understanding of counterparty risk, market risk and its impact on credit decisions.
  • Self-starter with ability to lead and work through ambiguity


  • Bachelor's degree/University degree or equivalent experience
  • Master's degree preferred


Job Family Group:

Risk Management


Job Family:

Credit & Portfolio Risk Management


Time Type:

Full time


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Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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