The Credit Risk Intmd Analyst is a developing professional role. Deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.
Responsibilities:
Provides analysis of a business' financial trends, indicators and other client data for presentation to the Underwriting Manager for further discussion and consideration.
Manages the risk associated with new and existing borrowing relationships through the following:
Performs spreads of client business financial statements
Creates Customer Accounting Systems' through Credit Platform
Recognizes potential client risk through early warning systems
Performs periodic financial statement review
Tracks established financial covenants
Monitors compliance to borrowing base credit facility
Accompanies Underwriting Manager on customer site visits (when appropriate)
Compliance with Citibank policies to ensure satisfactory ratings from internal and external auditors.
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 previous experience in a financial institution with a focus on credit analysis and spreading software.
Analyze program results vs expectations / Develop Strategies and Criteria / Gather data and prepare data for analysis
Education:
Bachelor's/University degree or equivalent experience
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
The Credit Risk Analyst is an entry level position responsible for supporting the country CDE team, in coordination with the Risk Policy team. The overall objective of this role is to ensure a Country team's delivery and support for Credit Policy Automation through Blaze Tools.
Responsibilities:
• Provide end to end support to country risk on setup / maintenance of credit acquisition rules using CDE / RMA.
• Translate credit risk polices into rules, support testing and implementation.
• Support the daily workflow for a country unit that performs rules authoring.
• Solve unique services on issue/problems and recommend workarounds on requirement analysis, design, and coding.
• Participate in GC Agile Release Management – understand CI / CDE requirements, analyze impact, design solution, translate to rules setup, support testing & implementation.
• Support sanity testing in blaze upgrade activities.
• Support the daily workflow for a country unit that performs rule authoring.
• Solve unique services on issue/problem and recommend workaround on requirement analysis, design, and coding.
• Responsible for impact analysis and quality deliverables. Maintain the reputation from country risk team.
• Appropriately assess risk when business decisions are made, demonstrating consideration for the firms.
• Reputations and safeguarding Citi group, its clients, and assets, by driving compliance with applicable laws, rules, and regulation, adhering to policy, applying sound ethical judgment regarding personal behavior, conduct and business practices and escalating, managing and reporting control issues with transparency.
Qualifications:
• At least 4+ years of experience in system design & programming.
• Strong logical thinking & analytical skill needed for understanding system flow.
• Any exposure to credit initiation process & policy is added advantage.
• Credit Cards / Personal Loans Experience is desirable.
• Any Rule Engine Hands-on desirable
• Demonstrated project management skills.
• Ability to work under pressure and manage to deadlines.
• Ability to work in a fast-paced environment.
• Consistently demonstrates clear and concise written and verbal communication.
• Attention to detail and intermediate problem-solving skills.
Education:
• Bachelor's/University degree or equivalent experience
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Job Family Group:
Risk Management------------------------------------------------------
Job Family:
Credit Decisions------------------------------------------------------
Time Type:
Full time------------------------------------------------------
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