credit risk analyst

Citi

<div>Institutional Credit Management Underwriting (ICM-UW) is an integral part of the ICM organization. ICM-UW&rsquo;s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Risk and Banking. These three groups have a shared commitment to ensuring the safety and soundness of wholesale lending across Citi.ICM-UW Credit Risk Analysts are responsible for a portfolio of client relationships, 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 &amp; Industry Reviews and Stress Testing. The role is part of the Turkish ICM team.
Key Responsibilities:
<ul><li>Assess the credit and financial strength of Citi&rsquo;s Global Network Banking clients (and if needed can assess Large Corporate, Public Sector, Financial Institution clients) by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.</li><li>
Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi&rsquo;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.</li><li>
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to ICM-UW seniors, Risk and Banking.</li><li>
Partnership with applicable regional and industry stakeholders in Banking and Risk in the implementation of credit assessment and monitoring standards for applicable portfolios.</li></ul>
Knowledge/Experience:<ul><li>
0-2 years of credit experience in Banking, Credit Risk Management or equivalent.</li><li>
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.</li><li>
Demonstrates basic knowledge of financial statements and GAAP accounting or similar governance relating to country of operation.</li><li>
Displays basic industry research capabilities, including risk and key drivers.</li><li>
Basic understanding of Credit Policy and procedures; proactively refers to resources as needed.</li><li>
Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly.</li></ul>
Skills/Competencies:<ul><li>
Assists colleagues in identifying stretch opportunities to elevate individual and team performance.</li><li>
Proven culture carrier.</li><li>
Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority.</li><li>
Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively.</li><li>
Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority.</li><li>
Microsoft Office (Word, Excel, and PowerPoint) skills.</li><li>
Proficiency in Turkish and English.</li></ul>
Qualifications:<ul><li>
BA/BSc or higher degree in Business (MBA), or any other related subject</li></ul> 
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
-
Job Family Group:
Risk Management
-
Job Family:
Credit Decisions
-
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.
-
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. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Credit Risk Analyst - Institutional Credit Management Underwriting

Western Alliance Bank

<div><div>Job Title:</div>
Credit Portfolio Risk Analyst 2<div></div><div>
Location:</div>
CityScape<div></div><div>
What you'll do:</div>
As a Credit Portfolio Risk Analyst II you'll be responsible for enhancing portfolio credit risk management objectives through delivery of data, reporting, analytic projects that increase visibility into the Bank's portfolio of loans, leases, deposits and other services. Working in the role you'll also have production responsibilities as well as ad hoc or project based work. You'll be responsible for reducing risk in the Bank&rsquo;s portfolio by identifying, monitoring and assessing KRIs/KPIs, producing standard or ad hoc analysis, portfolio segment reporting or similar activities. You will become a SME for one or more of these activities. One of your key responsibilities is to monitor one or more segments of the portfolio for performance, accuracy of consolidated data, and implement process improvements. As the Credit Portfolio Analyst II you'll perform all duties in compliance with SOX controls, the Bank's RCSA framework, and internal or external audit requirements.<ul><li>
Responsible for supporting the Credit Portfolio leadership in creating or using various database objects, reporting tools, or other Bank approved technology in the execution of regular duties and proposing improvements to processes, gains approval, documents and implements upgrades. Partner with IT and Business Data Governance as required.</li><li>
Complete assigned projects, which may be individual or team projects and include acquiring new data sources, defining and documenting transformations required to load, writing load scripts and testing. Independently frame requirements for moderately complex data and business processes. Develop reporting dashboards, monitoring concentration limits, KRIs, RCSA or other projects.</li><li>
Apply technical expertise and software knowledge to address complex projects and manage a pipeline of data, reporting, and process related projects, identifying and elevating road blocks and executing within designated time frames.</li><li>
Participate in the development of relevant policies, procedures, methodologies and training and collaborate with Credit Administration group. Collaborate cross functionally on projects.</li></ul><div></div><div>
What you'll need:</div><ul><li>
3+ years of related experience in Accounting, Finance, Economics or similar field.</li><li>
Bachelor's degree in related field required.</li><li>
Intermediate knowledge of general banking operations, including deposit operations, loan administration, treasury management and/or other commercial banking products and services.</li><li>
Intermediate knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices.</li><li>
Intermediate knowledge of commercial credit-related discipline with experience with a variety of lending products and segments.</li><li>
Intermediate ability to independently problem solve, adapt to changing priorities, act with a sense of urgency, on-time delivery and support diverse projects.</li><li>
Intermediate speaking and writing communication skills.</li><li>
Data Science / Data Analytics Certificate, CFA, CPA, CAIA, or CRM Certification preferred.</li><li>
Occasional travel required.</li></ul><div></div><div>
Benefits you&rsquo;ll love: 
We offer all the important things you'd want &mdash; like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you&rsquo;ll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career!</div><div></div><div>
About the company:</div><div>
Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC. AmeriHome Mortgage is a Western Alliance Bank company.</div><div></div><div>
Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email <div>HR@westernalliancebank.com</div> or call 602-386-2488. When contacting us, please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process.</div><div></div><div>
&copy; Western Alliance Bancorporation</div></div>

Credit Portfolio Risk Analyst 2

<div>Whether you&rsquo;re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you&rsquo;ll have the opportunity to expand your skills and make a difference at one of the world&rsquo;s most global banks. We&rsquo;re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You&rsquo;ll also have the chance to give back and make a positive impact where we live and work through volunteerism.
Institutional Credit Management's (&ldquo;ICM&rdquo;) mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Independent Risk and Banking, shared commitment to ensuring the safety and soundness of wholesale lending across ICG. 
ICM Risk Analysis Credit Risk Senior Analysts are responsible for a portfolio of ICG Risk Relationships, 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 &amp; Industry Reviews and Stress Testing. 
This role has responsibility for the portfolio of Western Europe Corporate Relationships and the role reports directly to the ICM - Commodities Credit Risk Team Lead. 
In this role, you&rsquo;re expected to: 
<ul><li>
Assess the credit and financial strength of Citi&rsquo;s Large Corporate Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors</li><li>
Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi&rsquo;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</li><li>
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICG Risk and Banking partners
</li><li>Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
</li><li>Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
</li><li>Travel (less than 10%)</li></ul> 
As a successful candidate, you&rsquo;d ideally have the following skills and exposure:
<ul><li>Demonstratable financial services experience, including 3-5 years of credit experience in Banking, Credit Risk Management or equivalent credit experience (candidates with background in commodities, energy and natural resources preferred)
</li><li>Knowledge of Wholesale Credit Processes and organizational awareness including IRAU functions, covered portfolios, and processes</li><li>
Understanding of policies and procedures with the ability to execute change seamlessly
</li><li>Intermediate 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</li><li>
Thorough knowledge of Citi&acute;s systems
</li><li>Experience in preparing presentations for seniors</li><li>
Awareness and adherence to the control environment including Quality Assurance and Quality Control</li><li>
Assists colleagues in identifying stretch opportunities to elevate individual and team performance</li><li>
Proven culture carrier</li><li>
Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority</li><li>
Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
</li><li>Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority</li><li>
Microsoft Office (Word, Excel, and PowerPoint) skills</li></ul> 
Education:<ul><li>
BCOM/CA or higher degree in Business (MBA), or any other related subject</li></ul>
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
-
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.
-
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. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Wholesale Credit Risk Intermediate Analyst – Commodities – Officer

<div>Whether you&rsquo;re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you&rsquo;ll have the opportunity to expand your skills and make a difference at one of the world&rsquo;s most global banks. We&rsquo;re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You&rsquo;ll also have the chance to give back and make a positive impact where we live and work through volunteerism.
The Credit Risk Intmd Analyst is a developing professional role. Deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/ sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.
In this role, you&rsquo;re expected to:<ul><li>
Provides analysis of a business' financial trends, indicators and other client data for presentation to the Team Lead/ Underwriter/ Underwriting Manager for further discussion and consideration.</li><li>
Manages the risk associated with new and existing borrowing relationships through the following:</li><li>
Performs spreads of client business financial statements</li><li>
Creates Customer Accounting Systems through Credit Platform</li><li>
Recognizes potential client risk through early warning systems</li><li>
Performs periodic financial statement review</li><li>
Tracks established financial covenants</li><li>
Accompanies Underwriting Manager on customer site visits (when appropriate)</li><li>
Compliance with Citibank policies to ensure satisfactory ratings from internal and external auditors.</li><li>
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.</li></ul>
As a successful candidate, you&rsquo;d ideally have the following skills and exposure:<ul><li>
4-7 years previous experience in a financial institution with a focus on credit analysis and spreading software.</li><li>
Analyze program results vs expectations / Develop Strategies and Criteria / Gather data and prepare data for analysis.</li><li>
Assists colleagues in identifying stretch opportunities to elevate individual and team performance.</li><li>
Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority.</li><li>
Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively.</li><li>
Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority.</li><li>
Microsoft Office (Word, Excel, and PowerPoint) skills</li></ul>
Education:<ul><li>
Bachelor&rsquo;s/University degree or equivalent experience</li></ul>
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
Insurance credit risk; CCR experience a plus
-
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.
-
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. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Wholesale Credit Risk Intermediate Analyst – Insurance – Officer

Atlas Dias

Position: Credit Analyst (FRM Certified)Location: Qatar Employment Type: PermanentKey Responsibilities<ul><li>Conduct comprehensive credit and financial risk assessments of clients and counterparties.</li><li>Analyze financial statements, cash flow projections, and credit histories to determine creditworthiness.</li><li>Prepare detailed credit proposals and risk evaluation reports for management review.</li><li>Monitor ongoing credit exposures and identify early warning indicators of potential default.</li><li>Collaborate with finance, treasury, and risk management teams to ensure effective portfolio oversight.</li><li>Ensure compliance with regulatory requirements, internal credit policies, and risk frameworks.</li><li>Contribute to continuous improvement in credit risk methodologies and assessment tools.</li></ul>Qualifications &amp; Requirements<ul><li>Bachelor&rsquo;s or Master&rsquo;s degree in Finance, Accounting, Economics, or a related discipline.</li><li>FRM (Financial Risk Manager) certification &ndash; Mandatory.</li><li>Minimum 5 years of experience in credit analysis, financial risk management, or banking.</li><li>Proficiency in financial modeling, Excel, and risk analysis software.</li><li>Strong analytical, problem-solving, and communication skills.</li><li>Excellent command of English (written and spoken).</li></ul>Job Type: PermanentApplication Question(s):<ul><li>Do you required any Notice period?</li><li>Do you have a freelance Visa?</li></ul>Experience:<ul><li>Credit Analyst : 7 years (Preferred)</li></ul>License/Certification:<ul><li>FRM Certificate (Preferred)</li></ul>

Credit Analyst (FRM Certified)

<div>The Credit Portfolio Intermediate 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:<ul><li>
Resolve issues and recommend solutions to moderate problems</li><li>
Integrate specialty area knowledge with an understanding of industry standards and practices and how teams collaborate to accomplish goals of the sub-function/ job family</li><li>
Serve as an industry expert and advisor</li><li>
Analyze and approve counter-party credit limits for trading, transactional and financing businesses with funds</li><li>
Develop risk management framework and processes for funds</li><li>
Advise businesses and clients on transaction structures and negotiate credit terms</li><li>
Has the ability to operate with a limited level of direct supervision.
</li><li>Can exercise independence of judgement and autonomy.
</li><li>Acts as SME to senior stakeholders and /or other team members.</li><li>
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.</li></ul>
Qualifications:<ul><li>
4 + years Experience in financial analysis, accounting and valuation</li><li>
Consistently demonstrate clear and concise written and verbal communication</li></ul>
Education:<ul><li>
Bachelor's degree/University degree or equivalent experience</li></ul>
-
Job Family Group:
Risk Management
-
Job Family:
Portfolio Credit Risk Management
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
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. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Credit Risk Analytics Inmd Analyst

<div>The Credit Portfolio Intermediate 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:<ul><li>
Resolve issues and recommend solutions to moderate problems</li><li>
Integrate specialty area knowledge with an understanding of industry standards and practices and how teams collaborate to accomplish goals of the sub-function/ job family</li><li>
Serve as an industry expert and advisor</li><li>
Analyze and approve counter-party credit limits for trading, transactional and financing businesses with funds</li><li>
Develop risk management framework and processes for funds</li><li>
Advise businesses and clients on transaction structures and negotiate credit terms</li><li>
Has the ability to operate with a limited level of direct supervision.
</li><li>Can exercise independence of judgement and autonomy.
</li><li>Acts as SME to senior stakeholders and /or other team members.</li><li>
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.</li></ul>
Qualifications:<ul><li>
5+ years of relevant experience</li><li>
Experience in financial analysis, accounting and valuation</li><li>
Consistently demonstrate clear and concise written and verbal communication</li></ul>
Education:<ul><li>
Bachelor's degree/University degree or equivalent experience</li></ul>
-
Job Family Group:
Risk Management
-
Job Family:
Portfolio Credit Risk Management
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
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. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Credit Portfolio Intmd Analyst

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