Underwriter - C12 - SAO PAULO

Discover your future at Citi

Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

Context of Job:

The credit analyst will be responsible for the origination and monitoring of a credit portfolio that includes the production of Credit Initials, Annual Credit Reviews and Quarterly Reviews, developing financial analysis, cash flow projections, industry analysis and determining risk ratings.

Responsibilities:

• Monitor how economic and industry evolution and trends impact the repayment capacity of the customers and anticipate early warning signals with the aim of minimizing credit losses;
• Participate credit committees, prepare the material and engage in these meetings to actively transmit the quality and risks of the proposed credit, supporting approvers in the ultimate decisions;
• Perform customers due diligences together with the business;
• Support the business in the structuring and discussion of transactions involving credit risk, including management analysis, relationship strategy and risk-return adequacy of products;
• Contribute to developing enhancements of work flow management tool and participate portfolio stress tests and in systems user acceptance tests;
• Maintain up to date knowledge of policies, procedures and processes relevant to credit risk management;
• Perform accurate data input and be responsible for its integrity when building and monitoring credit facilities;
• Proactively engage in team meetings towards s constructive dialogue, sharing key points and summarizing takeaways.

Skills and Competencies:

• Demonstrates considerable knowledge of financial statements and Brazilian GAAP
• Demonstrates ability to identify potential risk issues that need escalation
• Displays industry research capabilities, including key drivers, main risk and opportunities, strengths and weaknesses.
• Strong interpersonal skills, with the ability to manage conflicting ideas, to build relationships and to work with colleagues from different areas. Builds consensus.
• Solid written and verbal communications skills, with the ability to communicate clearly and concisely
• Strong organization skills and attention to detail.
• Capacity to work independently.
• Exhibits deep knowledge of Commercial or Corporate banking product suite, in particular loans, trade finance, lease and credit derivatives and target markets
• Capacity to work under pressure and comply with tight deadlines. 
• Manages time and priorities effectively, knows when to escalate issues.
• Experience with leading client due diligences.
• Displays a deep commitment and positive attitude.

Qualifications:

• Minimum 6 years of Credit experience in credit analysis or risk management function for Commercial or Corporate banking.
• Bachelor’s degree in related areas: Business Administration, Economics, Accounting, Engineering. 
• Fluent in English.  Spanish is a plus.
• Knowledge of MS Suite (Word, Excel, PowerPoint).

------------------------------------------------------

Job Family Group:

Risk Management

------------------------------------------------------

Job Family:

Credit Risk

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

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.

------------------------------------------------------

Other Relevant Skills

Credible Challenge, Data Analysis, Laws and Regulations, Management Reporting, Referral and Escalation, Risk Remediation.

------------------------------------------------------

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View Citi’s EEO Policy Statement and the Know Your Rights poster.