Credit Risk Analyst

**Discover your future at Citi**:Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.**Job Overview**:GNB is an integral part of the Underwriting (UW) team. The UW mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Corporate Risk and Banking’s shared commitment to ensuring the safety and soundness of wholesale lending across Corporate Banking.GNB Analysts are responsible for a portfolio of Global Network Banking, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio & Industry Reviews and Stress Testing.The Analyst is expected to have a basic understanding of credit risk, leveraging off an academic background Finance, Accounting, or Business Administration. They should need close supervision from their respective Team Leads but take each interaction opportunity to further learn about credit risk, industry fundamentals, effective writing and communication.**Key Responsibilities**:- Assess the credit and financial strength of Citi’s counterparts by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors- Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite**Skills/Competencies**:- Risk & Credit Underwriting:- Fundamental analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues- Demonstrates basic knowledge of financial statements and GAAP accounting or similar governance relating to country of operation- Displays basic industry research capabilities, including risk and key drivers- Basic understanding of Credit Policy and procedures; proactively refers to resources as needed- Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly- Leadership:- Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more- Embraces the need for change and appreciates its benefits with natural curiosity- Demonstrates professionalism by being reliable, actively contributing in meetings, asking questions and challenging ideas- Competencies:- Interpersonal skills, with the ability to build relationships- Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively- Strong written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority- Technical:- Microsoft Office (Word, Excel, and PowerPoint) skills- Knowledge of Financial Modeling Concepts**Qualifications**:- Stability and results- Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Corporate Risk and Banking, in addition to the Team Leader.- Support Underwriting Analysis Voice of the Employee (VOE) initiatives- **Job Family Group**:Risk Management- **Job Family**:Credit Risk- **Time Type**:Full time- **Most Relevant Skills**Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.- **Other Relevant Skills**For complementary skills, please see above and/or contact the recruiter.- View Citi’s _EEO Policy Statement_ and the _Know Your Rights_ poster._