기업금융신용분석팀 Credit Analyst

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Job Overview

The Underwriter – C11 is an intermediate level role. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and workflow for the area or function. Integrates subject matter and industry expertise within a defined area. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Strong communication and diplomacy skills are required. Regularly assumes informal/formal leadership role within teams. Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Work and performance of all teams in the area are directly affected by the performance of the individual.

Responsibilities:

• Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards.

• Prepare a detailed written credit summary of commercial applicants requesting credit by analyzing the business, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision.

• Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information.

• Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers in order to assess repayment capacity based on cash flow statements, tax returns, and statements.

• Perform industry and geographical research and other due diligence as needed.

• Maintain a solid understanding of Citibank products and services - within Small Business/Commercial Banking and the broader organization.

• Maintain compliance with Citibank credit policies/practices and regulatory policies, to ensure business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors.

• Other duties as required to support business unit and company goals.

• 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:

• 2-5 years relevant experience

• Degree in Quantitative Fields such as Economics, Engineering, Operations Research, Business Finance, or Mathematics.

• Previous experience in credit risk management or equivalent training and experience preferably in the financial services industry.

• Ability to apply credit and risk principles toward business goals.

• Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency.

• Must be highly organized and able to work in a fast-paced environment managing multiple projects and possess effective.

• Interpersonal, organizational and analytic skills.

Education:

• Bachelor's/University degree or equivalent experience

직무 목표

• 기업금융 고객 차주의 신용도 및 리스크 분석 업무 수행을 통한 비즈니스 목표 달성 지원

• 상시 신용 모니터링을 통한 조기 경보 탐지 및 대기업 포트폴리오의 건전한 신용도 유지

• 신규 고객의 유치 및 적시 신규 여신 제공을 위한 지속적인 사업, 재무 및 리스크 분석 제공

주요 업무 및 책임

• 기존/신규 기업금융 고객에 대한 연례/비 정기 여신심사보고서 준비 및 작성

• EW/PWL/CCR을 통한 상시 신용 모니터링

• 고객기업의 사업 실적과 재무제표 분석, 실적 추정, 차주신용등급산정

• 분기별 MCA 테스트 실시, 수시 스트레스 테스트 실시

• 리스크 및 기업금융 전반에 대한 대내외 제반 법규, 규정 준수

• 부서 행정 및 운영 관리 관련 업무

자격요건

• 신용 및 재무 분석에 대한 지식

• 회계, 재무, 산업, 경제 및 법률에 대한 지식

• 행내 외 각종 규정 및 절차에 대한 지식

• Credit analyst 3년 이상 근무 경험 (우대)

• 원활한 영어 커뮤니케이션 능력 (우대)

근무조건

• 고용형태: 전문직

• 급여 및 복지조건 : 회사 내규에 따름

• 근무지역 : 서울 종로구 새문안로50, 한국씨티은행 본점

전형절차

• 서류전형 > 면접전형 > 사전점검/채용검진 > 최종합격

• 전형일정 및 각 전형 별 합격발표는 이메일을 통하여 면접 대상자에게 개별 안내 드립니다.

접수방법및기간

• 지원방법 : 당행 채용 site 접속하여 온라인 지원

• 제출서류 : 영문이력서 1부

• 접수기간 : 채용시까지

• Rolling Base 인터뷰 진행 (지원서가 접수된 순서대로 검토하며, 채용후보자가 조기에 선발되는 경우 접수기간 중이라도 채용 공고 종료 가능함)

유의사항

• 구직자 본인의 용모, 키, 체중, 출신지역, 혼인여부, 재산과 구직자 본인의 직계 존비속 및 형제자매의 학력, 직업, 재산의 정보는 기재하지 마시기 바랍니다. (채용절차의 공정화에 관한 법률 제4조의 3)

• 온라인을 통해 접수한 이력서는 반환하지 않습니다. (채용절차의 공정화에 관한 법률 제11조)

• 부정한 행위(예: 채용청탁 등)를 통해 합격한 사실이 확인된 경우, 합격이 취소될 수 있으며 향후 채용에 제한이 있습니다.

• 장애인/보훈대상자의 경우 서류전형에서 우대

• - 장애인은 ‘장애인복지법 시행령’ 제2조에 따른 장애인 기준에 해당하는 자 또는 ‘국가유공자등 예우 및 지원에 관한 법률 시행령’ 제14조 제3항에 따른 상이등급 기준에 해당하는 자를 말합니다.

• - 보훈대상자는 ‘국가유공자 등 예우 및 지원에 관한 법률’등에 의한 취업지원 대상자를 말합니다.

• - 지원 시, 해당 사실을 증빙할 수 있는 서류를 추가 제출 바랍니다. (개인정보 마스킹 필수)

• 문의: 한국씨티은행 인사지원부 (ckirecruitment@citi.com)

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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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