The Credit Portfolio Senior Analyst 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:** + Contribute to the development of new techniques and improvement of processes and work-flows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management + Develop recommendations to adjust credit policies by analyzing credit and financial performance and utilizing statistical scoring, segmentation, and regression and simulation techniques + Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing + Research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as required + Participate in developing, testing, and optimizing credit policies and proceduress, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives + Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management + Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding the Bank, 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 + Active participation in Early Warning Processess including quarterly financial monitoring and assesment of credit risk profile of client and exposures regarding regulatory requirements (i.e. stage or internal classification) + Active participation in improvement of credit process and proceduress **Qualifications:** + Bachelor's degree/University degree or equivalent experience + 5-8 years of relevant experience in corporate or commercial risk management + Knowledge of commercial risk analytics + Ability to apply credit and risk principles toward business goals + Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency + Proven ability to remain organized in a fast-paced environment, managing multiple projects + Proven interpersonal, organizational and analytic skills + Proven knowledge of IFRS, local accounting standards, leveraged lending regulatory requirements + Fluency in Polish and English **Citi Handlowy offers:** + Job contract and social benefits (private medical care, fitness card, life insurance, pension programme, co-financing of cultural and entertainment events and more. Full list can be found here: www.karierawciti.pl under _Benefits for you_ and _Benefits for your loved ones_ sections) + Access to e-learning platform (Degreed) as well as English learning platform + Possibility to gain globally appreciated work experience + Friendly and supportive culture and team + Flexible and partly-remote working conditions Your personal data will be administered by Bank Handlowy w Warszawie S.A. with its registered office in Warsaw, ul. Senatorska 16. The Bank carries out the processing of your personal data first of all to conduct the recruitment process in which you participate, i.e. in the scope specified in Article 22(1) of the Labour Code (Article 6(1)(c) of the GDPR). You are entitled to: access your personal data, rectify them, erase them, restrict their processing, transfer your data and object to their processing. More detailed information is available at the website: https://careers.citigroup.com/docs/policies/BankHandlowyPolandPrivacyNotice.pdf?ieNocache=483 Please read the information about internal reports procedure – Whistleblowers Protection Act: BankHandlowyPolandWhistleblowersProtectionAct (https://www.citibank.pl/poland/files/ustawa-o-ochronie-sygnalistow.pdf) ------------------------------------------------------ **Job Family Group:** Risk Management ------------------------------------------------------ **Job Family:** Portfolio Credit Risk Management ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ _Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._ _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 Citi’s_ _EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy)_ _and the_ _Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)_ _poster._ Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.