DirecciónThe 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:
- 0-2 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
Credit Infrastructure Analyst / Decision Engines Developer
Position Summary:
Strategy and Development Analyst for Risk Infrastructure Implementation team. The successful of the position is based on the Risk Management area to ensure coding for Decision Engines are reached according with the established plans. This position is responsible for the correct implementation for new strategies on the Credit Cards decision engine. The interaction between this area with partners in the business, tech, etc. is crucial to prioritize the projects.
Key Responsibilities:
- Analyze the requirements and deliverables that the initiative needs to be executed.
- Responsible of the codification for policy strategies, technological projects and new systems requirements to guarantee their correct implementation.
- Coding optimization and delivery prioritization.
- Results oriented to requirements (e.g. risk data dictionary, DQ rules, DQ certification, analytics automation BRDs).
- Risk execution throughout, quality, SLA metrics.
- Partner with Risk, Business, Tech team to identify, define, and properly research and interpret data elements for risk use – Credit Bureau, TTD, Performance, Customer, Campaign, etc.
- Perform best practices and continuous improvement. Establish verification and validation guidelines.
- Identify and communicate any risk or issue opportunely.
Requirements:
Required Risk / Business Skills and Experience
- Bachelor's degree required (Actuarial Science, Computational Engineering, Mathematics, Engineering).
- Candidate should be bilingual with medium - high degree of fluency in English.
- Programmer experience in languages such as Blaze, SAS, SQL, Java, Visual Basic, Python.
- Experience in design and programming improvements.
- Exceptional integrity and strong communication skills – ability to seamlessly translate across Business, Risk policy, Scoring & Analytics, Governance & Controls and Technology organizations.
- Strong analytical skills to identify best solutions to meet business needs.
- Proactive approach in communicating issues and strength in sustaining independent views.
- 2+ years relevant experience in the following areas: Consumer Credit Risk Management & Project Management.
- Comfortable acting as an agent for positive change with agility and flexibility.
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Job Family Group:
Risk Management-------------------------------------------------
Job Family:
Credit & Portfolio Risk Management------------------------------------------------------
Time Type:
Full time------------------------------------------------------
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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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