Senior Credit Officer

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Job Overview

The Credit Risk role is focused on analyzing the creditworthiness of individuals and entities, assigning risk ratings, recommending, or approving credit extensions or withdrawals, and providing ongoing monitoring of credit exposures. This role includes those with credit approval authority for portfolios requiring management for delinquency. Individuals within this role maintain a balance between risk and return, ensuring that credit policies are appropriate, and perform regular in-depth reviews of the credit portfolio. This role manages and mitigates potential credit losses, safeguarding the company's financial stability and supporting sustainable business growth.

Responsibilities: 

• Stay updated on industry developments and apply in-depth knowledge to contribute to strategic and pro-active risk management.
• Provide guidance, review & challenge, and recommendations on complex credit approvals for an assigned credit portfolio
• Assess the quality of the loan portfolio, including the identification and assessment of emerging risks and providing regular feedback on issues and opportunities to senior management
• Monitor assigned credit portfolio, analyzing trends, risks, and key statistics to execute preventative measures.
• Oversee deal approvals in collaboration with  business partners, demonstrating commercial awareness and sound judgment.
• Participate in developing and refining procedures for approvals, portfolio functions, and credit guidelines.
• Effectively communicate and negotiate with internal stakeholders, often at senior levels, to influence decisions and impact projects.
• Collaborate with the Risk organization to refine data utilization processes, demonstrating a deep understanding of data sources and analysis.
• Adhere to compliance standards, assess business risks, and safeguard the company, its clients, and assets.
• Prepare the deliverables for internal and external stakeholders, including regulators (for example on expected portfolio performance, areas of potential risk and/or opportunity)
• Make informed business decisions that consider risk assessment, the firm's reputation, and compliance with laws, rules, and regulations.
• Ensure compliance with applicable laws, rules, and regulations, upholding policy and ethical business practices
• 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, as well as effectively supervise the activity of teams and create accountability with those who fail to maintain these standards

Qualifications: 

• 10+ years of experience

• Demonstrated experience in overseeing and approving credit applications within a business context.
• Deep understanding of financial analysis and cash flow lending products.
• Proven ability to adapt and implement the latest industry trends in credit approval and risk management.
• Experience in resolving moderately complex issues, balancing conflicting situations, and evaluating alternatives.
• Proficiency in analyzing and interpreting financial data, assessing risk, and making informed credit approval decisions.
• Effective communication and diplomacy skills to negotiate and influence both colleagues and external customers.
• Consistently demonstrate clear and concise written and verbal communication in Korean

Education: 

• Bachelor's/University degree, Master's degree preferred

Others

• The C-level/Officer title is subject to final confirmation

주요 업무를 포함한 본 채용의 상세 사항에 대해서는 아래를 확인하여 주시기 바랍니다.

한국씨티은행 커머셜심사부 Senior Credit Officer 채용 공고

한국씨티은행 커머셜심사부 Senior Credit Officer를 아래와 같이 모집하오니, 관심 있는 분들의 많은 지원 바랍니다.

– 아      래 –

채용부문: 커머셜심사부 Senior Credit Officer

모집인원: 0명

주요 업무 및 책임

• CCB(Citi Commercial Banking, 중견/중소기업) 여신 심사, 승인
• 산업별, 신용등급별 portfolio 관리
• 담당업체의 조기경보 점검 및 사후관리
• 심사역 coach 및 지원

자격요건

• CCB 포트폴리오 주요 산업에 대한 폭넓은 이해
• 운영, 부정(Fraud), 마켓, 프랜차이즈 리스크에 대한 지식
• 위험-수익 균형 조정 능력 및 독립적 의사 결정, 승인 능력
• 갈등 관리 및 탁월한 분석 능력
• 우수한 커뮤니케이션 능력
• 규정 및 법적 요건의 이해

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 인사운영부 (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, Credible Challenge, Financial Analysis, Governance, 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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