Credit Risk Analyst

Job Purpose: Performs credit analyses of Citi existing and prospective clients across Bulgaria, Romania and other Central and Eastern European Countries.

Key Responsibilities:

• Assess the credit and financial strength of Citi’s Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.
• Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite.
• Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriter, UW Staffer, Risk and BCMA partners.
• Reviewing and providing recommendation on the risk rating across this sector
• Partnership with applicable regional and industry stakeholders in BCMA and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
• Provide support with global ICM UW projects incl. initiatives for automation and digitization, portfolio review preparation and conducting stress tests, KPI reporting development
• Support Voice of the Employee (VOE) initiatives

Qualifications:

• Bachelor's degree/University degree or equivalent experience with either economic or mathematics background
• 0-2 years of experience in credit risk analysis or corporate banking
• Clear written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
• Good Microsoft Office (Word, Excel, and PowerPoint) skills
• Proven ability to work with moderate direction and in a team
• Demonstrated accountability, self-motivation and business acumen
• Fluent English language knowledge

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