Credit Risk Analytics-Analyst II

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Job Overview

The Credit Portfolio Analyst II is an intermediate-level position responsible for conducting credit reviews, portfolio monitoring, portfolio reporting/MIS, and identifying credit trends by organizing and analyzing large amounts of data and providing in-depth and sophisticated analysis with interpretive thinking to define problems, develop innovative solutions, and make recommendations that influence decisions of key business partners in the Risk Management.

Job Responsibilities: 

• Conduct risk assessments and client credit analyses with supervision.
• Contribute to the development of new techniques and improvement of processes and workflows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management.
• Escalate credit concerns and updates to senior risk and business managers.
• Support the proposal of risk mitigation actions by staying informed of related developments in the portfolio and industry, and by understanding the credit process, policies, and Citi's risk appetite.
• Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing.
• Research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as required.
• Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management.
• Support compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency.
• Provide input into the risk analysis of tools used to monitor Credit Risk Exposure
• Assist in the preparation of risk review materials for proactive risk management and to present to internal stakeholders.
• Assist in monitoring credit portfolio limits to ensure compliance with risk appetite limits.
• Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.
• Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures.
• Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.
• Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization.
• Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda
• Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities.
• Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.
• Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness.
• Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements.
• Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals.
• Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult
• Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals.
• Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi’s clients and the community.
• Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development.
• Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities.
• Empathetically listens and understands others’ positions before acting on issues; works to amplify voices that are minimized in the workplace
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications:

• 2+ years of experience in credit risk analysis or corporate banking

• Experience in financial analysis, accounting, and valuation.
• Knowledge of credit and banking products, credit analytics, risk assessment, and transaction execution.
• Familiarity with data interpretation and ability to challenge decisions based on data analysis.
• Ability to interpret data, make sound decisions, and challenge the basis of the analysis.
• Proven ability to remain organized in a fast-paced environment, managing multiple projects.
• Proven interpersonal, organizational and analytic skills.
• Understands and of various risk factors including stress testing, collateral risk and volatility, concentration risks, and liquidity, with demonstrated experience in reviewing these factors and challenging any discrepancies.
• Clear and concise written and verbal communication.
• Ability to work with little direction and in a team.
• Problem-solving skills to identify, analyze, and challenge basic problems.
• Familiarity with risk management software and other relevant technologies.
• Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment.
• Experience in using analytical packages like SAS, Essbase, MS Office (Excel, PowerPoint), Tableau.

Education:

Bachelor's degree/University degree or equivalent experience

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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