credit risk analyst

Virtual CFO

Key ResponsibilitiesCredit Risk AnalystPolicy Risk &amp; Risk Framework<ul><li>Formulation, review, and evaluation of credit policies in coordination with Credit and Business teams.</li><li>Present finalized policies along with Seniors to the Chief Risk Officer (CRO) for approval.</li><li>Ensure policies are aligned with regulatory guidelines and internal risk appetite.</li><li>Maintain comprehensive documentation and version control of all policy changes.</li><li>Develop and publish Portfolio Quality Reports (PQRs) to track and monitor asset quality.</li><li>Create and automate risk analytics reports and dashboards, including user acceptance testing (UAT) before implementation.</li><li>Conduct stress testing and identify early warning signals through data-driven insights.</li></ul>Credit Risk Management<ul><li>Provide oversight on credit decisions, sectoral risk appetite, and underwriting frameworks.</li><li>Lead discussions on segment-specific credit strategies and risk-return trade-offs.</li></ul>Credit Process Review &amp; Governance<ul><li>Conduct end-to-end credit process reviews to ensure risk controls, operational efficiency, and regulatory compliance.</li><li>Undertake location and vendor visits as part of credit process validations and risk assessments.</li><li>Recommend process improvements based on field insights and best practices.</li></ul>Other Projects &amp; Cross-functional Initiatives<ul><li>Drive cross-functional initiatives with Business and Credit teams related to risk and policy integration in technology platforms.</li><li>Collaborate with product, operations, and technology for seamless implementation of risk policies across systems.</li></ul>______________Key RequirementsEducation<ul><li>CA, MBA, FRM, CFA, or other relevant professional certifications as an advantage</li></ul>Experience<ul><li>5 to 8 years of experience in Credit Risk, Policy Risk, Portfolio Risk in SME lending, preferably in a bank, NBFC, or fintech.</li></ul>Skills<ul><li>In-depth understanding of SME risk profiles, underwriting frameworks, and regulatory landscape.</li><li>Strong skills in stakeholder management, cross-functional collaboration, and policy articulation &amp; data analytics.</li></ul>Job Type: Full-timePay: &#8377;2,000,000.00 - &#8377;2,500,000.00 per yearWork Location: In person

Credit Risk Analyst

aramco

<div>
 
 
 Aramco energizes the world economy.
 
 
 
 Aramco occupies a unique position in the global energy industry. We are the world's largest producer of hydrocarbons (oil and gas), with the lowest upstream carbon intensity of any major producer.
 
 
 
 
 
 With our significant investment in technology and infrastructure, we strive to maximize the value of the energy we produce for the world along with a commitment to enhance Aramco&rsquo;s value to society.
 
 
 
 
 
 Headquartered in the Kingdom of Saudi Arabia, and with offices around the world, we combine market discipline with a generations&rsquo; spanning view of the future, born of our nine decades experience as responsible stewards of the Kingdom&rsquo;s vast hydrocarbon resources. This responsibility has driven us to deliver significant societal and economic benefits to not just the Kingdom, but also to a vast number of communities, economies, and countries that rely on the vital and reliable energy that we supply.
 
 
 
 
 
 We are one of the most profitable companies in the world, as well as amongst the top five global companies by market capitalization.
 
 
 
 
 
 
 Job Purpose
 
 
 
 We are seeking a Credit Risk Analyst to join the credit team in its Credit &amp; Market Analysis Division which is part of the Treasury organization. The main role of the division is to manage credit and market risks.
 
 
 
 
 
 Your main responsibility will be to safeguard the company&rsquo;s assets by performing quantitative and qualitative credit assessments of counterparties, propose appropriate credit risk mitigation strategies and provide recommendations to management. This position requires strict adherence to the company&rsquo;s credit risk policy and operating procedures.
 
 
 
 
 
 You will be also required to collaborate with other areas such as Operations, Sales, LAW, Contracting, among others. Therefore, it is essential to possess excellent interpersonal and communication skills in order to succeed in this role.
 
 
 
 
 
 
 Key Responsibilities
 
 
 
 As a successful candidate, you will perform the following:
 
 <ul>
 <li>
 Conduct credit evaluations of counterparties (financial and non-financial institutions).
 </li>
 <li>
 Carry out financial qualification of service providers for new projects.
 </li>
 <li>
 Conduct in-depth analysis of financial statements and employ the company&rsquo;s internal credit model to derive credit ratings.
 </li>
 <li>
 Ensure new business transactions and related risks are appropriately defined, captured, and managed, by the Company&rsquo;s risk methodologies and systems.
 </li>
 <li>
 Maintain approved credit limits and ratings in credit database.
 </li>
 <li>
 Actively monitor counterparty credit ratings and latest market developments to keep management informed on potential risks.
 </li>
 <li>
 Perform stress testing on various portfolios in order to identify and mitigate unwanted exposure.
 </li>
 <li>
 Review policies, procedures, and align risk policies across the Group.
 </li>
 <li>
 Assist in the consolidation and preparation of reports for management.
 </li>
 <li>
 Complete assigned ad-hoc tasks as directed.
 </li>
 </ul>
 
 
 
 
 
 Minimum Requirements
 
 
 
 As a successful candidate, you will have:
 
 <ul>
 <li>
 A Bachelor&rsquo;s degree in finance, economics, accounting, or a related field. MBA or other advanced business degree is preferred.
 </li>
 <li>
 Professional certification such as FRM, ERP, CMA or CFA, are highly regarded.
 </li>
 <li>
 At least 10 years of relevant credit experience in energy, banking or financial risk management.
 </li>
 <li>
 Experience with implementation and application of credit risk models
 </li>
 <li>
 In-depth knowledge of qualitative and quantitative credit assessments
 </li>
 <li>
 Extensive experience analyzing financial statements
 </li>
 <li>
 Ability to meet tight deadlines to submit credit recommendations to management
 </li>
 <li>
 Advanced proficiency in Microsoft Excel including Excel models
 </li>
 </ul>
 
 
 
 
 Certificates
 
 
 Title : Assoc of Chartered Certified Accountant (ACCA)
 
 
 Req./Pref. : Preferred
 
 
 Comments-Nature of Cert./License Relations :
 
 
 2 yrs is waived from minimum Yrs of exp. on full accreditation
 
 
 
 
 
 Title : Certified Financial Analyst (CFA)
 
 
 Req./Pref. : Preferred
 
 
 Comments-Nature of Cert./License Relations :
 
 
 2 yrs is waived from minimum Yrs of exp. on full accreditation
 
 
 
 
 
 Title : Certified Internal Auditor (CIA)
 
 
 Req./Pref. : Preferred
 
 
 Comments-Nature of Cert./License Relations :
 
 
 Certification in the areas of internal audit &amp; practice
 
 
 
 
 
 Title : Certified Management Accountant (CMA)
 
 
 Req./Pref. : Preferred
 
 
 Comments-Nature of Cert./License Relations :
 
 
 2 yrs is waived from minimum Yrs of exp. on full accreditation
 
 
 
 
 
 Title : Certified Public Accountant (CPA)
 
 
 Req./Pref. : Preferred
 
 
 Comments-Nature of Cert./License Relations :
 
 
 2 yrs is waived from minimum Yrs of exp. on full accreditation
 
 
 
 
 
 Title : Saudi Org of Certified Public Accountant (SOCPA)
 
 
 Req./Pref. : Preferred
 
 
 Comments-Nature of Cert./License Relations :
 
 
 Certification in the areas of accounting &amp; Auditing Standards
 
 
 
 
 
 
 Working environment
 
 
 
 Our high-performing employees are drawn by the challenging and rewarding professional, technical and industrial opportunities we offer, and are remunerated accordingly.
 
 
 At Aramco, our people work on truly world-scale projects, supported by investment in capital and technology that is second to none. And because, as a global energy company, we are faced with addressing some of the world&rsquo;s biggest technical, logistical and environmental challenges, we invest heavily in talent development.
 
 
 We have a proud history of educating and training our workforce over many decades. Employees at all levels are encouraged to improve their sector-specific knowledge and competencies through our workforce development programs &ndash; one of the largest in the world.
 
 
 
 
 
 
 Country/Region:
 
 SA
 
</div>

Citi

<div>Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi&rsquo;s institutional clients. ICM&rsquo;s objective is to provide integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise. Within ICM, the Credit Underwriting function (&ldquo;ICM UW&rdquo; or &ldquo;UW&rdquo;) provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking, Services, and Markets relationships.
ICM Credit Analysts are responsible for a portfolio of relationships, owning the production of credit risk analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. This production includes annual reviews, quarterly reviews, and support to ad-hoc transactions and other credit deliverables.
A C11 Credit Analyst is expected to have a strong understanding of credit risk, of Citi&acute;s internal policies and procedures, and of being relatively knowledgeable about the industry fundamentals that portfolio belongs to. They should need some supervision from Jr. and Sr. senior UWs, especially on more sensitive and complex credit situations, and be able to carry thoughtful conversations with partners.
This role has responsibility for the NAM Banks &amp; Broker Dealer portfolio.
Key Responsibilities:
<ul><li>Assess the credit and financial strength of Citi&rsquo;s Large Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors</li><li>
Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR) of Citi&rsquo;s Counterparties based on independent assessment and judgement; completed based on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Citi&rsquo;s 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 Team Leads, senior management, and business partners</li><li>
Partnership with applicable regional and industry stakeholders in 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>
Skills/Competencies:<ul><li>
Risk &amp; Credit Underwriting:<ul><li>
Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile, etc.) with the ability to identify root causes and trends and anticipate horizon issues</li><li>
Demonstrates considerable knowledge of financial statements and GAAP accounting or similar governance relating to country of operation</li><li>
Displays robust industry research capabilities, including risk and key drivers</li><li>
Strong 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></li></ul><ul><li>
Leadership:<ul><li>
Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more</li><li>
Embraces the need for change and appreciates its benefits with natural curiosity</li><li>
Demonstrates professionalism by being reliable, actively contributing to meetings, asking questions, and challenging ideas</li></ul></li></ul><ul><li>
Interpersonal:<ul><li>
Strong interpersonal skills, with the ability to build relationships</li><li>
Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively</li><li>
Solid written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority</li></ul></li></ul><ul><li>
Technical:<ul><li>
Proficient Microsoft Office (Word, Excel, and PowerPoint) skills</li><li>
Progressive experience with the internal Policies, Standards, Procedures, Templates and with financial modeling</li></ul></li></ul>
Qualifications:<ul><li>
2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.</li><li>
Degree in Quantitative Fields such as Economics, Engineering, Operations Research, Business Finance, or Mathematics.</li><li>
Previous experience in credit risk management or equivalent training and experience preferably in the financial services industry.</li><li>
Ability to apply credit and risk principles toward business goals.</li><li>
Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency.</li><li>
Must be highly organized and able to work in a fast-paced environment managing multiple projects and possess effective.</li><li>
Interpersonal, organizational and analytic skills.</li></ul>
Education:<ul><li>
Bachelor'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.
-
Job Family Group:
Risk Management
-
Job Family:
Credit Decisions
-
Time Type:
Full time
-
Primary Location:
Getzville New York United States
-
Primary Location Full Time Salary Range:
$61,120.00 - $85,280.00 
In addition to salary, Citi&rsquo;s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental &amp; vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
-
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.
-
Anticipated Posting Close Date:
Sep 23, 2025
-
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>

Hcm International

Job DescriptionJob Title: Credit &amp; Risk Analyst Location: Islamabad Department: Finance &amp; Risk Reports To: Manager &ndash; Credit &amp; RiskPosition PurposeThe Credit &amp; Risk Analyst will be responsible for assessing the creditworthiness of individuals, companies, and organizations, ensuring accurate evaluation of financial risk and effective management of the company&rsquo;s credit exposure. The role will support the development and implementation of credit policies and risk strategies, proactively monitor customer credit performance, and facilitate collaboration with sales, finance, and external stakeholders. This position directly contributes to maintaining healthy cash flows, minimizing bad debts, and safeguarding organizational profitability and financial stability.Key ResponsibilitiesCredit Evaluation &amp; Risk Assessment<ul><li>Analyze financial statements (income statement, balance sheet, cash flow, ratios) to assess buyers&rsquo; ability to meet obligations.</li><li>Evaluate industry trends, market conditions, and business risks to make informed credit decisions.</li><li>Recommend approval, denial, or modification of credit applications, including credit limits, payment terms, and collateral requirements.</li><li>Conduct thorough background checks, reviewing credit reports, payment history, and verifying customer documentation.</li></ul>Monitoring &amp; Portfolio Management<ul><li>Continuously monitor credit performance of existing customers and identify early warning signs of deterioration.</li><li>Conduct periodic portfolio reviews and recommend corrective actions (limit reductions, withdrawals, claims, legal proceedings).</li><li>Maintain detailed credit reports, records, and documentation of decisions.</li><li>Handle end-to-end credit insurance portfolio: credit limit (CL) applications, cancellations, withdrawals, claims, and turnover declarations.</li></ul>Stakeholder Collaboration<ul><li>Liaise with Sales, Commercial, and Business Development teams to ensure alignment of credit decisions with business objectives.</li><li>Communicate findings, risks, and recommendations clearly to internal stakeholders.</li><li>Coordinate daily with trade credit insurers/underwriters on customer credit limit requests, withdrawals, and claims.</li><li>Support operations and BU finance teams in managing collections and minimizing overdue balances.</li></ul>Reporting &amp; Compliance<ul><li>Prepare credit reports and dashboards highlighting portfolio risk exposure and customer credit performance.</li><li>Ensure compliance with internal credit policies, insurance guidelines, and regulatory frameworks.</li><li>Contribute to credit policy development and process improvements to strengthen the organization&rsquo;s risk framework.</li><li>Uphold strict adherence to compliance standards, ensuring all records and actions are audit-ready.</li></ul>Teamwork &amp; Culture<ul><li>Create a collaborative work environment, supporting teamwork and knowledge sharing.</li><li>Act as a credit risk subject matter expert for junior finance staff and cross-functional partners.</li></ul>Education &amp; QualificationsRequired:<ul><li>Bachelor&rsquo;s degree in Commerce, Finance, Accounting, or related field.</li><li>3&ndash;6 years of experience in credit risk analysis, corporate finance, or financial services.</li><li>Strong analytical, financial modeling, and problem-solving skills.</li><li>Proficiency in MS Excel and financial analysis tools.</li><li>Strong communication and stakeholder management skills.</li></ul>Preferred:<ul><li>Professional certifications such as CMA, CPA, ACCA, or CFA.</li><li>Master&rsquo;s degree in Finance, Risk Management, or related field.</li><li>Working knowledge of ERP systems (D365, Oracle, Hyperion &ndash; Microsoft Dynamics preferred).</li><li>Experience handling trade credit insurance portfolios.</li></ul>Core Competencies &amp; Skills<ul><li>Credit Risk Management &amp; Financial Analysis</li><li>Decision-Making &amp; Problem-Solving</li><li>Stakeholder Communication &amp; Influence</li><li>Attention to Detail &amp; Accuracy</li><li>Risk Monitoring &amp; Compliance</li><li>ERP &amp; Reporting Systems (D365, Oracle, Hyperion)</li></ul>Key Performance Indicators (KPIs)<ul><li>Risk Assessment Accuracy: Quality and accuracy of credit assessments.</li><li>Credit Application Turnaround Time: Average time to complete credit evaluations.</li><li>Credit Limit Compliance: Adherence to approved credit limits and policies.</li><li>Compliance Adherence: Conformance with company credit policy and insurance guidelines.</li><li>Customer Satisfaction: Internal stakeholder and customer feedback on credit processes.</li></ul>Job Type: Full-timePay: Rs164,000.00 - Rs270,000.00 per monthWork Location: In person

Credit & Risk Analyst (Offshore)

Rize

<div>Rize is a groundbreaking rent-now-pay-later platform reshaping the rental landscape in Saudi Arabia. We're dedicated to making rentals more accessible and affordable, enabling tenants to manage their finances with ease and landlords to secure their income effortlessly. We're on a mission to revolutionize the rental industry, breaking down barriers and creating opportunities for all. We're a team of innovators, thinkers, and problem-solvers, committed to creating a positive impact and driving change in the market.
Our Team 
 
We love working together, being creative, and doing things differently! Our team is made up of over 20 people with different nationalities. We work from a cozy office in Riyadh, Saudi Arabia. And hey, we're not just smart&mdash;we're really good at coming up with new ideas! Plus, you can work from wherever you want because we like to keep things flexible.
Our core values &amp; Principles 
<ul>
<li>
Innovation &ndash; We&rsquo;re a technology-driven team with the purpose of uplifting the real estate sector. We are the leaders of the industry in innovation. 
</li>
<li>Customer Centricity &ndash; We put the customer at the core of every decision and action. 
</li>
<li>Adaptability - Being able to adapt quickly to changing market conditions and customer needs. 
</li>
<li>Empowerment &amp; Collaboration &ndash; Our team is the most valuable aspect of the company; We respect all ideas, our team enjoys authority, autonomy, and collaboration. 
</li>
<li>Ethical Excellence - We perform within the highest ethical standard.</li>
</ul>
Job Summary 
We are looking for a Credit Underwriter to manage tenant and landlord contracts from start to finish. This role ensures that all leasing agreements meet legal standards and Rize&rsquo;s internal credit policies.
What will you be doing? 
<ul>
<li>
Prepare, review, and finalize tenant contracts and landlord contracts.</li>
<li>Ensure accuracy and compliance with Saudi leasing regulations.</li>
<li>Be able to make contracts on Ejar platform submissions and resolve any related issues.</li>
<li>Coordinate with Legal, Risk, and Credit teams to maintain complete, error-free records. 
</li>
<li>Monitor contract turnaround times and escalate delays when needed.</li>
</ul>
You're a perfect match if you have 
<ul>
<li>
1+ years of related experience.</li>
<li>Experience in legal real estate operations and strong knowledge of leasing practices.</li>
<li>Hands-on experience using the Ejar platform is highly preferred.</li>
<li>Excellent attention to detail with strong organizational skills.</li>
<li>Ability to work accurately under pressure and tight deadlines.</li>
</ul><h3 class="jobSectionHeader">Benefits</h3>
What do we offer? 
<ul>
<li>
Competitive salary - Receive a competitive salary package in USD or SAR, reflecting your skills and contributions in our industry. 
</li>
<li>Diverse International team - Join a diverse international team where different perspectives and backgrounds enrich our collaborative culture. 
</li>
<li>Flexibility - Enjoy the option to work full remote or hybrid, allowing you to balance work and life in a way that suits you best. 
</li>
<li>Innovation - Shape the future of Proptech with your groundbreaking ideas and technological prowess. 
</li>
<li>Direct Impact - See your ideas come to life and make tangible changes in an industry ripe for revolution. 
</li>
<li>Fast-paced Learning - Grow personally and professionally every day with opportunities to master new skills in our dynamic start-up environment. 
</li>
<li>Creative Freedom - Take the reins, innovate, and push boundaries with the freedom to experiment, learn, and grow at Rize. 
</li>
<li>Close-knit Community - Join a collaborative, supportive team where your voice matters and your contributions are recognized and celebrated.</li></ul></div>

Credit Risk Analyst - Underwriting

<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>
4-8 years of relevant experience</li><li>
Hand-on experience with SAS</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 - C11 - MUMBAI

<div>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.
Job Responsibilities:
<ul><li>Conduct risk assessments and client credit analyses with supervision.</li><li>
Review financial results and peer analyses to support the preparation of financial projections.</li><li>
Assist in the preparation of green-light and transaction approval memos.</li><li>
Support due diligence activities and the building of cash flow models and sensitivity analyses.</li><li>
Escalate credit concerns and updates to senior risk and business managers.</li><li>
Support the proposal of risk mitigation actions by staying informed of related developments in the portfolio and industry, and by understanding the credit process, policies, and Citi's risk appetite.</li><li>
Assist with portfolio review preparation and the conduct of stress tests.</li><li>
Build working relationships with various teams across the bank, including deal, coverage, and product teams.</li><li>
Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets.</li><li>
Support compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency.</li><li>
Provide input into the risk analysis of tools used to monitor Credit Risk Exposure</li><li>
Assist in the assessment of collateral risk and stress testing.</li><li>
Assist in the preparation of risk review materials for proactive risk management and to present to internal stakeholders.</li><li>
Assist in monitoring credit portfolio limits to ensure compliance with risk appetite limits.</li><li>
Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.</li><li>
Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures.</li><li>
Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.</li><li>
Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization.</li><li>
Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda</li><li>
Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities.</li><li>
Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.</li><li>
Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness.</li><li>
Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements.</li><li>
Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals.</li><li>
Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult</li><li>
Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals.</li><li>
Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi&rsquo;s clients and the community.</li><li>
Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development.</li><li>
Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities.</li><li>
Empathetically listens and understands others&rsquo; positions before acting on issues; works to amplify voices that are minimized in the workplace</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>
0-2 years of experience in credit risk analysis or corporate banking</li></ul><ul><li>
Experience in financial analysis, accounting, and valuation.</li><li>
Knowledge of accounting and corporate finance, financial modeling, credit and banking products, credit analytics, risk assessment, and transaction execution.</li><li>
Familiarity with data interpretation and ability to challenge decisions based on data analysis.</li><li>
Basic understanding of various risk factors including stress testing, collateral risk and volatility, concentration risks, liquidity, and wrong way risk, with demonstrated experience in reviewing these factors and challenging any discrepancies.</li><li>
Ability to interpret data, make sound decisions, and challenge the basis of the analysis.</li><li>
Adds value and contributes to the success of the team.</li><li>
Understands and challenge various risk factors including stress testing, collateral risk and volatility, concentration risks, and liquidity.</li><li>
Clear and concise written and verbal communication.</li><li>
Ability to work with little direction and in a team.</li><li>
Problem-solving skills to identify, analyze, and challenge basic problems.</li><li>
Familiarity with risk management software and other relevant technologies.</li><li>
Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment.</li><li>
Familiarity software and other industry-specific tools for efficient data management and analysis.</li></ul>
Education:
Bachelor's degree/University degree or equivalent experience
-
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 Analyst II - C10 - GURUGRAM

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