credit risk analyst

Citi

<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 Analyst II is a developing professional role. Applies specialty area knowledge in monitoring, assessing, analyzing and/or evaluating processes and data. Identifies policy gaps and formulates policies. Interprets data and makes recommendations. Researches and interprets factual information. Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures or practices. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team. 
In this role, you&rsquo;re expected to:<ul><li>
Conduct risk assessments and client credit analyses, review financial results and peer analyses and prepare financial projections</li><li>
Prepare green-light and transaction approval memos, conduct due diligence, build cash flow models and conduct sensitivity analyses</li><li>
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</li><li>
Assist with portfolio review preparation and conducting 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 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>
1-3 years of experience in credit risk analysis or corporate banking</li><li>
Experience in financial analysis, accounting and valuation</li><li>
Knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution</li><li>
Consistently demonstrate clear and concise written and verbal communication</li><li>
Proven ability to work with little direction and in a team</li><li>
Demonstrated accountability, self-motivation and business acumen</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.
-
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
Credible Challenge, Data Analysis, Laws and Regulations, Management Reporting, Referral and Escalation, Risk Remediation.
-
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 Analyst - Officer

FlapKap

<div>What is FlapKap ?
We are the financial growth partner for the small and medium-sized businesses in the Middle East and Africa. We support our merchants to overcome their cash constraints by financing their working capital and ensuring their growth without losing equity.
For more info, check our feature on Forbes.
Why FlapKap?
FlapKap is a fast, smart, collaborative and first of a kind startup that aims to disrupt the financial industry in the MENA region. We are backed by QED, BECO Capital, A15, Outliers, and Nclude with a total financing of over $40m USD. FlapKap offers a safe environment with a welcoming atmosphere to creativity and innovation. Everyday there are new challenges and significant achievements that make everyone charged, excited and proud to belong.
Description:
FlapKap, a leading financial growth partner for digitally-native businesses in the Middle East and Africa, is seeking a motivated and dynamic Financial Analyst to join our passionate team. As a Financial Analyst, your role will be to push the boundaries and capabilities of our credit-scoring engine and modules. You will be responsible for conducting financial analyses, improving existing processes, and innovating in finding other alternative scoring techniques and methods. The Financial Analyst will work with different teams (i.e., technology and commercial) to build an engine that continuously monitors and decreases FlapKap&rsquo;s cost of risk.
Job Description<ul>
<li>
Analyze and verify financial statements, Bank statements and other relevant information to assess the creditworthiness of a merchant</li>
<li>Credit-scoring potential merchants through building, improving and analyzing financial models</li>
<li>Forecasting client&rsquo;s financials and recommending appropriate financing options based on credit risk and financial needs.</li>
<li>Collaborating with Tech team to help automate various processes</li>
<li>Iterating and improving on existing processes</li>
<li>Working on and improving existing templates
</li></ul>Requirements<ul>
<li>
Bachelor&rsquo;s degree in Finance, Accounting, Economics, or a related field (MBA or CPA/CFA a plus).
</li><li>2&ndash;4 years of experience in financial analysis, operations, or accounting.
</li><li>Strong proficiency in Excel (pivot tables, VLOOKUPs, financial modeling) and familiarity with ERP/financial systems (e.g., SAP, Oracle, NetSuite).
</li><li>Excellent analytical, problem-solving, and organizational skills.
</li><li>Strong attention to detail and ability to work under tight deadlines.
</li><li>Effective communication and collaboration skills across teams.</li>
<li>Fluent English</li>
</ul>
Benefits<ul><li>Competitive Salaries
</li><li>Hybrid working environment
</li><li>Paid time off
</li><li>Healthcare coverage
</li><li>A highly collaborative team environment that will support your professional and personal growth
</li><li>A culture that promotes Work-Life balance and Wellbeing
</li><li>A culture of learning and innovation</li></ul></div>

Senior Credit & Risk Analyst

<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.
Shape your Career with Citi
We&rsquo;re currently looking for a high caliber professional to join our team as Officer, Institutional Credit Management (ICM) Underwriting Credit Risk Senior Analyst - Officer Hybrid (Internal Job Title: Credit Risk Intmd. Analyst - C11) based in Mumbai, India. Being part of our team means that we&rsquo;ll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future. For instance:<ul><li>
Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses.</li><li>
We offer our employees resources and tools to volunteer in the communities in which they live and work. In 2019, Citi employee volunteers contributed more than 1 million volunteer hours around the world.</li></ul>
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 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>
Monitors compliance to borrowing base credit facility</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>
4-5 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></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.
Working at Citi is far more than just a job. A career with us means joining a family of more than 230,000 dedicated people from around the globe. At Citi, you&rsquo;ll have the opportunity to grow your career, give back to your community and make a real impact.
Take the next step in your career, apply for this role at Citi today
https://jobs.citi.com
-
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>

Institutional Credit Management (ICM) Underwriting Credit Risk Senior Analyst – Officer

Uline

<div><div>Senior Credit Analyst
Corporate Headquarters
12575 Uline Drive, Pleasant Prairie, WI 53158
At Uline, we play the long game. As a Senior Credit Analyst, your insight will support financial strategy, manage risk and help sustain the growth of a business built for long-term success.
Careers Packed with Potential. Backed by 45+ years of success, Uline offers opportunities to grow your career with stability you can count on.
Position Responsibilities
</div><div><div><div><div><div><div><div><div><div><ul><li>Prepare detailed written analyses of customers&rsquo; financial statements and account activity within Uline&rsquo;s AR portfolio.
</li><li>Assess financial risk by evaluating industry trends and credit reports for Uline portfolio accounts.
</li><li>Set and adjust credit limits based on customer requests, credit reports, financial results, research and payment experience.
</li></ul>Minimum Requirements
<ul><li>Bachelor's degree.
</li><li>Strong understanding of financial statements, ratios and concepts.
</li><li>2+ years of experience in credit, collections or a call center environment preferred.
</li></ul>Benefits
<ul><li>Complete health insurance coverage and 401(k) with 6% employer match that starts day one!
</li><li>Multiple bonus programs.
</li><li>Paid holidays and generous paid time off.
</li><li>Tuition Assistance Program that covers professional continuing education.
</li></ul>Employee Perks
<ul><li>On-site caf&eacute; and first-class fitness center with complimentary personal trainers.
</li><li>Over four miles of beautifully maintained walking trails.
</li></ul>About Uline
Uline, a family-owned company, is North America&rsquo;s leading distributor of shipping, industrial, and packaging materials with over 9,000 employees across 14 locations.
Uline is a drug-free workplace. All new hires must complete a pre-employment hair follicle drug screening. All positions are on-site.
EEO/AA Employer/Vet/Disabled
#LI-CD1
#CORP
(#IN-PPFIN)
</div></div></div></div></div></div></div></div></div>Our employees make the difference and we are committed to offering exceptional benefits and perks! Explore https://www.uline.jobs/#working-here_blankUline.jobs to learn more!</div>

Senior Credit Analyst

<div>Credit Analysis:
To perform credit analysis of all credit proposals originating from commercial banking, covering both qualitative and quantitative factors including balance sheet, Income statement, cash cycle, cash flow and ratio analysis to determine financial need and capacity for effective credit decision making. 
Credit Evaluation:
To conduct credit evaluation as per HBL internal credit policy/procedures and SBP prudential guidelines and other regulatory requirements to ensure that our exposure remains compliant with internal and external policies.
Turnaround Time:
Processing of credit proposals within stipulated TAT and to maintain CP tracking sheet to keep record of queries and response time with the ultimate objective that credit requests are attended in a timely manner.
Value Addition:
To bring improvement, analyst needs to do value addition in credit analysis and evaluation process by picking early warning signals, highlighting key risks and mitigants and bringing innovative ideas and suggestions in order to have a secure and comprehensive credit evaluation process.
Industry Reviews:
Analyst needs to do periodic industry reviews to have updated knowledge of key industries of economy
Monitoring:
To monitor and follow up past due mark-up/principal and NPL accounts, expiries, deferrals, approval covenants through internal MIS and classified credit reviews (CCRs) in coordination with business in order to keep check and balance.
Reports, Projects and Record Keeping:
To gather and prepare MIS reports, log and review sheets and preparations of various reports related to industry, sector, NPL, restructuring etc for self monitoring and for onward submission to middle/higher management in order to help decision making and budgeting process. Analyst needs to keep record and snapshot of key data including copies of full set of CPs (approved/declined), financials, ORR, CCRs, MIS reports, overdue &amp; NPL records etc for the purpose of record keeping and to support any future need during decision making process. Further, participation in any project may be required to represent risk management.
Communication, Self Development and Behavior
To have effective written and verbal communication, should take Initiatives for self-development through pursuing additional training / professional qualifications and must adhere to HBL core values to maintain professional behavior with co-workers/team players and external customers as defined in Bank&rsquo;s Code of Ethics.
Support Role:
To provide support and assistance to Risk Managers and Head Commercial Risk for smooth work flow, quick TAT and effective decision making.
Additional Tasks:
Any additional task can be assigned by supervisor to mange work load and to meet deadlines.</div>
 <div>Minimum qualifications:
Business Degree &ndash; preferably BBA/MBA 
<ul><li>
</li></ul>Minimum experience: 
<ul><li>8-10 years of Credit Risk Management experience required.</li></ul></div>
 <div>Minimum qualifications:
Business Degree &ndash; preferably BBA/MBA 
<ul><li>
</li></ul>Minimum experience: 
<ul><li>8-10 years of Credit Risk Management experience required.</li></ul></div>

UBL UAE

<div>
 
 UBL UAE is seeking for a highly analytical and detail-oriented professional to join our Financial Institutions team as Credit Analyst. The ideal candidate will be responsible for evaluating the creditworthiness of banks, non-banking financial companies (NBFCs), and insurance firms. This role requires a solid understanding of financial analysis, regulatory frameworks, and market dynamics impacting financial institutions.
 
 
 
 
 
 
 
 Key Responsibilities
 
 
 
 
 
 
 
 
 1. Credit Evaluation &amp; Risk Assessment
 
 
 <ul>
 <li>
 Conduct in-depth credit assessments of counterparties including banks, NBFCs, and insurance firms using financial, regulatory, and qualitative criteria.
 </li>
 <li>
 Prepare comprehensive credit proposals, assign internal risk ratings, and recommend appropriate exposure limits.
 </li>
 <li>
 Evaluate entity-level risks including capital adequacy, asset quality, funding and liquidity profiles, earnings stability, and management quality.
 </li>
 </ul>
 
 
 2. Portfolio Management &amp; Risk Monitoring
 
 
 <ul>
 <li>
 Continuously monitor the credit portfolio for early warning signals, deteriorating credit metrics, and industry developments.
 </li>
 <li>
 Ensure periodic credit reviews are completed in line with internal policies and regulatory guidelines (e.g., Basel norms).
 </li>
 <li>
 Track macroeconomic, regulatory, and sectoral developments affecting portfolio counterparties.
 </li>
 </ul>
 
 
 3. Credit Support &amp; Stakeholder Coordination
 
 
 <ul>
 <li>
 Work closely with Relationship Managers (RMs) to support deal structuring, credit analysis, and approval processes.
 </li>
 <li>
 Present credit assessments and recommendations to Credit Committees.
 </li>
 <li>
 Ensure effective alignment of risk appetite with business objectives and transaction structures.
 </li>
 </ul>
 
 
 4. Relationship Management &amp; Market Intelligence
 
 
 <ul>
 <li>
 Develop and maintain relationships with senior stakeholders across financial institutions.
 </li>
 <li>
 Stay abreast of market trends, regulatory changes, monetary policies, and liquidity movements to proactively assess risks and opportunities.
 </li>
 </ul>
 
 
 5. Product Expertise &amp; Structuring
 
 
 <ul>
 <li>
 Demonstrate strong knowledge of FI-specific products such as:
 </li>
 <li>
 Trade Finance
 </li>
 <li>
 Syndicated Lending
 </li>
 <li>
 Custody Services
 </li>
 <li>
 Liquidity Management Solutions
 </li>
 <li>
 Provide input on product structuring and tailor credit solutions that balance client needs with the bank&rsquo;s risk appetite.
 </li>
 </ul>
 
 
 
 
 
 
 Key Requirements:
 
 
 
 
 
 
 <ul>
 <li>
 Bachelor's/Master&rsquo;s degree in Finance, Economics, Accounting, or related field; CFA/FRM qualifications are a plus.
 </li>
 <li>
 4&ndash;6 years of relevant experience in credit analysis or risk management within a bank or financial institution.
 </li>
 <li>
 In-depth knowledge of regulatory and rating frameworks.
 </li>
 <li>
 Excellent written and verbal communication skills for effective report writing and presentations.
 </li>
 <li>
 Strong stakeholder management and collaboration skills.
 </li>
 <li>
 Analytical mindset with the ability to manage multiple priorities in a fast-paced environment.
 </li>
 <li>
 Strong financial statement analysis and credit modelling skills.
 </li>
 </ul>
</div>

Credit Analyst - Financial Institutions

Vola Finance

<div>
 
 Business Analyst
 
 
 
 
 Domain:
 
 Product / Fintech / Credit Cards
 
 
 
 Mandatory Technical Skill Set
 
 
 
 <ul>
 <li>
 Previous experience in a product-based company is mandatory
 </li>
 <li>
 Experience working with credit bureau data (CIBIL, Experian, Equifax, etc.) for customer profiling, credit risk insights, or strategy building
 </li>
 <li>
 Churn analysis and strategy building on subscription management experience
 </li>
 <li>
 BNPL or credit cards growth strategy building experience
 </li>
 <li>
 ML model development experience is a plus
 </li>
 <li>
 Python
 </li>
 <li>
 Statistical analysis and A/B testing
 </li>
 <li>
 Excel
 </li>
 <li>
 SQL
 </li>
 <li>
 Visualization tools such as Redash / Grafana / Tableau / Power BI
 </li>
 <li>
 Bitbucket, GitHub, and other versioning tools
 
 
 </li>
 </ul>
 
 Roles And Responsibilities
 
 
 
 <ul>
 <li>
 Work on product integrations, data collection, and data sanity checks
 </li>
 <li>
 Improve product features for sustainable churn management
 </li>
 <li>
 Cohort analysis and strategy building for credit card usage growth
 </li>
 <li>
 Conduct A/B testing for better subscription conversion and offers
 </li>
 <li>
 Monitor key business metrics
 </li>
 <li>
 Track changes and perform impact analysis
 
 
 </li>
 </ul>
 Skills:- Python, Statistical Analysis, A/B Testing, MS-Excel, SQL, Data Visualization, Tableau, PowerBI, grafana and Credit bureau data
</div>

Data Analyst

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