Underwriter - C11 - SAO PAULO

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Job Overview

Full Analyst Profile

Credit Analyst is an intermediate-level position, responsible for conducting credit reviews, monitoring the portfolio to identify the variation in the quality of its customers, in coordination with the Risk Management team.

Responsibilities:

• Conducts risk assessments and customer credit analyses, reviews financial results and peer reviews, and prepares financial projections;
• Prepares approval memoranda (Credit Reports and ATAs), conducting due diligence and sensitivity analyses;
• Escalates credit concerns/updates to risk and business managers and proposes risk mitigation measures, continuously staying informed of developments/news related to the portfolio and the covered sector and understanding Citi's credit process, policies and risk appetite;
• Assists in preparing portfolio review and conducting stress tests;
• Participates in credit committees and discussions, proactively;
• Engagement in customer visits and calls;
• Builds working relationships with multiple teams across the bank, including sales, markets, and product teams;
• Resolves issues and recommends solutions to moderate issues;
• Serves as an expert and consultant for specific industries;
• Advises the commercial area on transaction structures and negotiates credit terms;
• Appropriately assess risks during business-related decision-making processes, with particular attention to the reputation and protection of Citi's credit portfolio;
• Transparently escalate, manage, and report control issues.

Qualifications:

• Previous experience in credit analysis (3-6 years);
• Knowledge of accounting, corporate finance, financial analysis/modeling, credit products, derivatives, risk assessment and transaction execution;
• High degree of customer analytical capacity and complex structures. Consistently demonstrate clear and concise communication (written and oral) Proven ability to work with a high degree of autonomy and in a team;
• Ability to work with reduced delivery time (sense of urgency);
• Ability to negotiate with the commercial area and risks;
• Previous experience of DD meetings with clients;
• Demonstrated responsibility, self-motivation and business acumen;
• Mastery of the Office package.

Education:

• Bachelor's degree/university degree or equivalent experience

Languages:

• Advanced English

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Job Family Group:

Risk Management

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Job Family:

Credit Decisions

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, 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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