Credit Risk Analyst, Citi

Citi

Location:
India, Mumbai

Category:
Finance

Contract Type:
Employment contract

Salary:

Not provided

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Job Description:

ICG Risk Analysis (IRAUs) is an integral part of the Institutional Credit Management (ICM) organization. The IRAUs deliver best-in-class credit risk analysis, monitoring, and credit administration as a partner to ICG Risk and Banking, Capital Markets and Advisory’s (BCMA) shared commitment to ensuring the safety and soundness of wholesale lending across ICG. This role is responsible for a portfolio of Transportation & Industrials Relationships, credit risk analysis, and continuous monitoring of that portfolio.

Job Responsibility:

Assess the credit and financial strength of Citi’s counterparts 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 IRAU Team Leads, ICG Risk and BCMA partners
partnership with applicable regional and industry stakeholders in BCMA and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
support ICG Risk Analysis Voice of the Employee (VOE) initiatives
travel (less than 10%)

Requirements:

Fundamental analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues
demonstrates basic knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
displays basic industry research capabilities, including risk and key drivers
basic understanding of Credit Policy and procedures
proactively refers to resources as needed
demonstrates ability to identify potential risk issues that need escalation and escalates them promptly
assists colleagues in identifying stretch opportunities to elevate individual and team performance
proven culture carrier
interpersonal skills, with the ability to build relationships and exert influence with and without direct authority
organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
Microsoft Office (Word, Excel, and PowerPoint) skills

What we offer:

Programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling
generous paid time off packages

Additional Information:

Job Posted:
May 06, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Credit Risk Analyst