Regulatory Risk Analyst II- C10

The Credit Portfolio Analyst II is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally.

Responsibilities:

• Conduct risk assessments and client credit analyses, review financial results and peer analyses and prepare financial projections
• Prepare green-light and transaction approval memos, conduct due diligence, build cash flow models and conduct sensitivity analyses
• Escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action to be taken by staying continuously informed of related developments/news for the portfolio and industry covered and understanding the credit process, policies and Citi's risk appetite
• Assist with portfolio review preparation and conducting stress tests
• Build working relationships with various teams across the bank, including deal, coverage and product teams
• 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 accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution
• Consistently demonstrate clear and concise written and verbal communication
• Proven ability to work with little direction and in a team
• Demonstrated accountability, self-motivation and business acumen

Education:

• Bachelor's degree/University degree or equivalent experience

The Regulatory Risk Analyst II is a position responsible for portfolio monitoring 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 team.

Responsibilities:

• 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
• 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.
• Participate in developing, testing, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives.
• Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management.
• Appropriately assess risk when business decisions are made, demonstrating 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 relevant experience
• Knowledge of consumer/commercial cards risk analytics
• Ability to apply credit and risk principles toward business goals.
• Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency.
• Proven ability to remain organized in a fast-paced environment, managing multiple projects.
• Proven interpersonal, organizational and analytic skills.
• Experience in using analytical packages like SAS, Essbase, MS Office (Excel, PowerPoint), Tableau
• Vision and ability to provide innovative solutions to core business practices.
• Ability to develop partnerships across multiple business and functional areas.

Education:

• Bachelor’s/University degree with specialization in a quantitative discipline: Statistics, Mathematics, Economics, Econometrics, Management, Engineering preferred.

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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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