Credit Portfolio Specialist, Citi

Citi

Location:
Brazil, São Paulo

Category:
Banking

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

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.

Job Responsibility:

Independently review and assess business problems, leveraging extensive knowledge of industry standards and practices to evaluate potential risks in assigned portfolios
Analyze and suggest improvements in credit risk processes for assigned portfolio based on in-depth analysis and industry best practices
Communicate any potential risks to senior management, providing regular updates about the status of their Reviews
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

Requirements:

5-8 years of experience
Extensive professional experience in a similar role, demonstrating proficiency in credit portfolio monitoring and analysis
Deep disciplinary knowledge within the field, integrated with subject matter and industry experience
Advanced technical knowledge within a specific business area, including familiarity with credit risk processes, standards, and opportunities for improvement
Commercial awareness and understanding of business operations and strategies, including experience in assessing business/risk staffing models
Proven background in managing Corrective Action Plans related to credit risk reviews or business monitoring
Expertise in resolving complex business problems independently using analytical thinking and logical reasoning
Strong communication skills to clearly convey complex information to a variety of audiences
Proficiency in conducting comprehensive financial analysis, detecting potential risks, and initiating appropriate measures
Ability to filter, prioritize, and validate complex and dynamic material
Command of Customer Accounting Systems and Credit Platforms
Experience in maintaining quality and consistency standards in Fundamental Credit Risk documents

Additional Information:

Job Posted:
July 30, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Credit Portfolio Specialist