Job Description

The Credit Portfolio Analyst II is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally.



Responsibilities:

• Conduct risk assessments and client credit analyses, review financial results and peer analyses and prepare financial projections
• Prepare green-light and transaction approval memos, conduct due diligence, build cash flow models and conduct sensitivity analyses
• Escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action to be taken by staying continuously informed of related developments/news for the portfolio and industry covered and understanding the credit process, policies and Citi's risk appetite
• Assist with portfolio review preparation and conducting stress tests
• Build working relationships with various teams across the bank, including deal, coverage and product teams
• 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+ years of experience in credit risk analysis or corporate banking
• Experience in financial analysis, accounting and valuation
• Knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution
• Consistently demonstrate clear and concise written and verbal communication
• Proven ability to work with little direction and in a team
• Demonstrated accountability, self-motivation and business acumen

Education: Bachelor's degree/University degree or equivalent experience

Role Outline:


Enhance and improve the Risk policies using statistical techniques to optimize business growth and profits by minimizing the losses

• Support tactical and strategic Risk Analytics projects for Citi's Branded Cards Proprietary Cards Risk Management group in the US.
• Develop and manage implementation of effective risk management strategies that help mitigate credit losses, including designing, executing, interpreting credit tests on statistically sampled customer populations.
• Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes
• Must be able to effectively provide updates and communicate key initiatives to senior risk management.
• Analyzing tests and performance using SAS and decision tree software (CHAID/ CART)
• Evaluating effectiveness of current policies and strategies

Responsibilities:

• Must have capability to clearly develop and communicate analysis
• A good understanding of Credit life cycle, from Acquisitions through early Collections
• Must have hands on expertise in developing and managing segmentation strategies
• Presentations to both technical and non-technical personnel are required to be made frequently as part of the job.
• Understanding and communicating examples of credit strategy customer impact through example review of Credit Bureau data.
• Ability to work efficiently in a matrixed environment balancing between both business and functional interactions and priorities, maximizing efficiencies of time-zones to create a continuously operating Credit Policy team.

Qualifications:

• Undergraduate degree with a specialization in Statistics, Mathematics, or other quantitative discipline
• 2+ years' work experience required

Skills:

• Experienced in developing, implementing and monitoring credit strategies or scoring models across underwriting, existing customer management (examples: Balance Transfer, Credit Line Increase/Decrease, Re-Issue, Transactions Authorization)
• Good programming skills in advanced SAS, SQL, Knowledge Studio, SAS E-miner in PC, UNIX environments.
• Highly proficient in Excel/pivot tables and PowerPoint. VBA a plus.
• Exposure to project/process management
• Strong communication and presentation skills targeting a variety of audiences
• A qualified candidate needs to be able to work with cross functional teams
• Flexibility in approach and thought process
• Ability to work effectively across portfolio risk policy teams and functional areas teams
• Strong influencing and facilitation skills.


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Job Family Group:

Risk Management
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Job Family:


Credit & Portfolio Risk Management
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Time Type:


Full time
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Citi is an equal opportunity and affirmative action employer.


Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.


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