Institutional Credit Management (ICM), in the 1st line of defense, works closely with our front line businesses to serve as a critical component of our First Line of defense for wholesale and counterparty credit risk management and also with our Independent Risk partners to ensure best-in-class risk and controls, as well as client responsiveness. Key responsibilities include portfolio analysis, documentation, risk identification, management, monitoring, administration, and stress testing. The ICM Portfolio Associate (PA) will help manage risk appetite and limits management (RALM) for the wholesale credit exposures in the Bank. RALM looks at portfolio health and emerging risks to help define the Bank’s risk appetite. In particular, limits management is a major deliverable for the Bank both in terms of limits setting and limits monitoring and very challenging work can be offered to the right candidate to work on the risk appetite definition of the Bank. RALM is in charge of developing appropriate tools to detect emerging risks and inform on the direction of risk appetite. The Bank is busy improving various frameworks to lead the industry with new cutting edge analysis on wholesale credit. In this role, the PA will be responsible for liaising with business partners, and assisting in executing the monitoring strategies and priorities, as well as contributing to the calibration of risk appetite, metrics and indicators for maximum efficacy. The PA should be resourceful with the ability to produce recommendations to the portfolio owners that may include portfolio reviews, stress tests, risk appetite and underwriting criteria recalibrations, reclassification of facilities, risk rating changes, or limits changes among others. **Key Responsibilities:** + Assisting portfolio management and consistent with industry leading practices and conforms to all internal credit procedures/policies, and all related regulatory expectationsContinuous engagement across ICM and with businessesHelp execute plans, strategy and objectives for RALM in an effective and innovative fashion; assess and report progress in meetings objectives including promotion of a healthy working culture. Such plans may include mitigation/remediation plans to major exposures while negotiating with key business leaders to agree on an appropriate plan.Coordinate with the Heads of Early Warning Credit Management, other ICM senior managers and key members of governance forums as appropriate to address and escalate emerging risk concerns, and to share best practicesAssist in developing/enhancing Learning, Develop and Training for portfolio managementSupport internal projects and initiativeSupport ICM Voice of the Employee initiatives **Experience and requirements for the role:** + Ability to meet deadlines due to business needsIndependent problem solving skillsExceptional written and verbal communication skills with strong attention to detail.Understanding of corporate finance and bank products **Qualifications** + Bachelors degree in Business Administration, Finance or EconomicsAn MBA, CPA, CFA preferred, and formal credit training is a plus7+ years of relative experience in Credit Risk ------------------------------------------------------ **Job Family Group:** Risk Management ------------------------------------------------------ **Job Family:** Portfolio Credit Risk Management ------------------------------------------------------ **Time Type:** ------------------------------------------------------ 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. Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review **Accessibility at Citi (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)** . View the "EEO is the Law (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/eeopost.pdf) " poster. View the EEO is the Law Supplement (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/OFCCP\_EEO\_Supplement\_Final\_JRF\_QA\_508c.pdf) . View the EEO Policy Statement (http://citi.com/citi/diversity/assets/pdf/eeo\_aa\_policy.pdf) . View the Pay Transparency Posting (https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp\_%20English\_formattedESQA508c.pdf) Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.