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
• 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
• 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
• 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 & RESPONSIBILITIES

Business/ Department Objectives

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

Core Responsibilities:

Support tactical and strategic Risk Analytics projects for Citi’s Retail Services Group in the US.Independently manage development and implementation of effective risk management strategies that help mitigate credit lossesApply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processesApply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies.Must be able to effectively provide updates and communicate key initiatives to senior risk management.Analyzing tests and performance using SAS and decision tree (CHAID/ CART)Evaluating effectiveness of current policies and strategies

Day-to-Day Responsibilities:

Must have capability to clearly develop and communicate analysisA good understanding of Credit life cycle and Collections/RecoveriesMust have hands on expertise in developing and managing segmentationPresentations to both technical and non-technical personnel are required to be made frequently as part of the job.Ability to work efficiently in a matrix environment balancing between both business and functional interactions and priorities.

Key Deliverables:

Provide insight into the data through MIS and deeper analyticsSummarize analytic reports into presentations and share analyses and reports with senior leadership

QUALIFICATIONS

Required

Education:

Bachelor’s degree in a quantitative discipline: Mathematics, Economics, Operations Research, And Statistics

Master’s degree in a quantitative discipline: Mathematics, Economics, Operations Research, Statistics is preferred

Experience: 2+ years of relevant experience

Skills:

Strong analytical skills in conducting sophisticate analysis using bureau/vendor data, customer performance data and marketing data to solve business problems. Good programming skills in advanced SAS and SQL in mainframe, UNIX and PC environments. Highly proficient in Excel/pivot tables and PowerPoint. Credit card industry experience especially in an analytics or policy role is preferred

Others:

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 Creates and sustains a network of strong client relationships. Flexibility in approach and thought process Ability to work effectively across portfolio risk policy teams and functional areas teams  Strong influencing, negotiating, and facilitation skills. Analytical mindset

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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