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credit risk specialist

Standard Chartered Bank

<p></p><div><div><div><div><div><div><b>Requisition Number: </b>46264
</div></div></div></div><div><div><div><div><b>Job Location: </b>Dubai, ARE
</div></div></div></div><div><div><div><div><b>Work Type: </b>Office Working
</div></div></div></div><div><div><div><div><b>Employment Type: </b>Permanent
</div></div></div></div><div><div><div><div><b>Posting Start Date: </b>24/12/2025
</div></div></div></div><div><div><div><div><b>Posting End Date: </b>07/01/2026
</div></div></div></div><div><div><div><div><b>:
</b><div><div><div><div><b>Job Summary</b></div>
</div><div><p>
The Analyst, Credit Risk Management for Secured Lending within Wealth and Retail Banking at Standard Chartered is a pivotal role focused on supporting the Credit Risk Management (CRM) Head in managing the credit risk associated with the bank's Mortgage and Wealth Management portfolios. This role is integral to maintaining the financial health and sustainable growth of these portfolios by developing robust risk mitigation strategies, ensuring compliance with regulatory standards, and monitoring portfolio performance metrics critically. The successful candidate will collaborate extensively with Business teams, Credit Underwriters, and relevant stakeholders, facilitating informed decision-making that balances risk with business objectives. This position offers a unique opportunity to contribute to the bank&rsquo;s strategic objectives while enhancing personal technical and analytical expertise in a dynamic banking environment.</p>
<p>
The role demands a comprehensive understanding of credit risk frameworks, regulatory guidelines, and the ability to apply analytical techniques to identify, assess, and address potential credit risks. The Analyst will be instrumental in driving portfolio quality through proactive controls and stress-testing exercises, supporting the bank's mission of delivering sustainable, responsible financial services.</p></div></div><div><div><div><b>
Key Responsibilities</b></div>
</div><div><ul><li>Develop and oversee the execution of risk management policies in line with the Wealth and Retail Banking strategy, ensuring the secured lending portfolio aligns with the broader organizational goals.</li>
<li>Provide strategic and analytical insights on credit risk to stakeholders at country, regional, and group levels to support robust risk governance and portfolio planning.</li>
<li>Conduct comprehensive credit risk assessments of mortgage and wealth management products, incorporating macroeconomic and market trends.</li>
<li>Monitor portfolio health through systematic analysis of key risk indicators (KRIs), including delinquencies, concentration risks, and emerging risk trends across customer segments.</li>
<li>Responsible for identifying, assessing, monitoring, controlling and mitigating risks within secured portfolio to ensure effective risk management.</li>
<li>Support stress-test reviews to simulate portfolio performance under various economic scenarios and support regulatory stress-testing requirements.</li>
<li>Collaborate closely with collections and recovery teams to optimize management and resolution of non-performing loans (NPLs), improving portfolio quality and recovery rates.</li>
<li>Ensure credit risk policies are crafted and enforced in alignment with risk appetite frameworks, balancing business growth ambitions with prudent risk management.</li>
<li>Partner with Business teams and Credit Underwriters to integrate risk considerations seamlessly into lending practices, promoting ethical and sustainable portfolio development.</li>
<li>Maintain up-to-date knowledge of local and international banking regulations affecting secured lending and wealth management products, ensuring full compliance.</li>
<li>Translate regulatory and policy requirements into comprehensive underwriting guidelines and portfolio management standards that govern the full customer lifecycle from origination to recovery.</li>
<li>Implement continuous improvement initiatives that refine risk models, credit scoring systems, and risk measurement tools in line with industry best practices.</li>
<li>Conduct regular portfolio reviews and audits to identify deviations and drive corrective actions, ensuring risk controls are effective and aligned with expected performance.</li>
<li>Implement the Operational Risk Framework (ORF) including Fraud Risk Controls as planned and on a timely basis, and proactively and rigorously evaluate ORF controls whenever there are changes to high risk processes. Continuously improve collection processes to reduce operational risks. Ensure proper identification of the material risks and maintaining an effective control environment.</li>
<li>Responsible for delivering &lsquo;effective governance&rsquo;; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.</li>
<li>Support in the system changes in line with the policy</li>
</ul></div></div><div></div><div><div>
</div><div><p><b>Role Context</b></p><p>
The Analyst will operate within a fast-paced, regulated banking environment requiring strong analytical capabilities and sound judgment. This role contributes directly to safeguarding the bank&rsquo;s asset quality and supporting profitable growth in the secured lending space. Interaction with multidisciplinary teams including credit committees, business units, compliance, and external regulatory bodies is expected. The analyst will be tasked with synthesizing complex data to inform risk mitigation strategies and support policy development. Effective communication skills are vital to influence decisions and foster collaborative risk culture across the organization.</p><p>
Furthermore, the position encourages continuous professional development and knowledge advancement in evolving credit risk practices and regulatory landscapes. The ability to manage multiple priorities and deliver under tight timelines is essential, as is demonstrating a proactive, solutions-oriented mindset.</p></div></div><div></div><div><div>
</div><div><p><b>
Career Progression and Development</b></p><p>
This role offers a robust pathway for career advancement within Standard Chartered&rsquo;s Risk or Credit functions. The incumbent will gain extensive experience managing high-impact credit portfolios, developing strategic risk frameworks, and engaging with senior leadership on key business decisions. Opportunities to lead projects, drive innovation in risk management tools, and contribute to enterprise-wide risk initiatives are integral components of this role.</p><p>
As part of a supportive and inclusive workplace, ongoing training, mentoring, and professional certifications are encouraged to nurture talent and accelerate career growth. Successful performance in this role may lead to increased responsibilities such as portfolio management leadership, credit risk strategy development, or broader risk advisory roles within the bank or across the Group&rsquo;s international markets.</p></div></div><div><div><div><b>
Skills and Experience</b></div>
</div><div><p><b>
Skills and Experience</b></p><ul><li>
Proficiency in Microsoft Office Suite (Excel, PowerPoint, Word) with advanced data analysis and reporting capabilities.</li><li>
Excellent written and verbal communication skills to effectively present complex information to diverse audiences.</li><li>
Strong knowledge of retail lending products, particularly mortgages and secured wealth management lending.</li><li>
In-depth understanding of real estate market dynamics and their impact on secured lending risk profiles.</li><li>
Familiarity with financial instruments and investment products relevant to wealth management portfolios.</li><li>
Experience with credit risk assessment tools, stress testing, and portfolio monitoring techniques.</li><li>
Ability to interpret regulatory requirements and incorporate them into operational and risk frameworks.</li><li>
Analytical mindset with keen attention to detail and a disciplined approach to risk evaluation.</li></ul></div></div><div><div><div><b>
About Standard Chartered</b></div>
</div><div><p>
We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.</p>
<p>Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.</p>
<p>Together we:</p>
<ul><li><b>Do the right thing</b> and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do</li>
<li><b>Never settle,</b> continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well</li>
<li><b>Are better together,</b> we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term</li>
</ul></div></div><div><div><div><b>What we offer</b></div>
</div><div><p><b>
In line with our Fair Pay Charter,</b> we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.</p>
<ul><li><b>Core bank funding for retirement savings, medical and life insurance,</b> with flexible and voluntary benefits available in some locations.</li>
<li><b>Time-off</b> including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.</li>
<li><b>Flexible working</b> options based around home and office locations, with flexible working patterns.</li>
<li><b>Proactive wellbeing support</b> through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits</li>
<li><b>A continuous learning culture</b> to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.</li>
<li><b>Being part of an inclusive and values driven organisation,</b> one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.</li></ul></div></div></div></div></div></div></div></div></div><p></p>

Analyst, Credit Risk Management, Secured Lending WRB (UAE National)

Citi

<div>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.
<br>
<br>
<b>Responsibilities:</b><ul>
<li>The primary focus of the position is data quality support of global contract negotiations and trades which includes document review, data entry, exception reporting along with document scanning and document warehousing.
</li><li>The ideal candidate must have excellent technical skills and the ability to learn and work with a very complex in-house data management system.
</li><li>The position will require gaining a detailed familiarity with Citi&rsquo;s standard forms of documentation, technology, and internal procedures.
</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><br>
<b>
Qualifications:</b><ul>
<li>0-2 years relevant experience</li>
<li>Makes judgments and recommendations based on analysis and specialty area knowledge.
</li><li>Researches and interprets factual information.
</li><li>Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures or practices.
</li><li>Exchanges information in a concise and consistent way as well as be sensitive to diverse audience</li>
</ul><br>
<b>Education:</b><ul>
<li>Bachelor&rsquo;s/University degree or equivalent experience</li></ul><br>
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.<p><br>
-</p><p><b>
Job Family Group:
</b></p>Risk Management<p>
-</p><p><b>
Job Family:</b></p>
Credit Risk<p>
-</p><p><b>
Time Type:</b></p>
Full time<p>
-</p><p><b>
Most Relevant Skills
</b></p>Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.<p>
-</p><p><b>
Other Relevant Skills
</b></p>For complementary skills, please see above and/or contact the recruiter.<p>
-</p><p><i>
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.</i></p><p></p><p><i><br>
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 </i><i>Accessibility at Citi</i><i>.</i><br>
<br>
<i>View Citi&rsquo;s </i><i>EEO Policy Statement</i><i> and the </i><i>Know Your Rights</i><i> poster.</i></p></div>

Credit Risk Analyst (UAE Nationals Only)

ACIES

<p><b>Highlight of the engagement opportunity</b>:</p><p>&sect; <b>Role:</b> Full time role</p><p>&sect; <b>Number of years of experience expected:</b> 2 to 3 years</p><p>&sect; <b>Areas of experience preferred:</b> IFRS 9/ Ind AS 109, PD / LGD/ EAD model development and validation, experience with ECL calculation, clarity on the IFRS 9 standard &amp; regulatory asks</p><p>&sect; <b>Educational qualification expected: </b>UAECA, ACCA (UK), Qualified CA (India)</p><p>&sect; <b>Additional qualifications/ certifications required: </b>None</p><p>&sect; <b>Preferable additional certifications: </b>CFA, FRM, MBA, Actuarial</p><p>&sect; <b>Preferred geography of previous work experience:</b> UAE, other countries in Middle East</p><p>&sect; <b>Application experience preferable:</b> MS Excel, VBA, Python, R, SAS</p><p><b>Key responsibility areas:</b></p><p>&sect; Independently lead and manage consulting engagements with leading banks, financial institutions, NBFCs, insurance companies and corporates covering areas such as IFRS 9 model development, ECL computation, enhancing the approach to ECL and provisions along with other credit risk areas</p><p>&sect; Demonstrate knowledge to banking, NBFC, corporate and insurance companies on various loan product and their characteristics including wholesale loans, auto loans, personal loans, mortgage finance, education loans, etc.</p><p>&sect; Demonstrate knowledge of concepts related to default and recovery rate modelling including roll rate analysis, periodic default rates, statistical methods including regression models, Markov chains, etc.</p><p>&sect; Lead and drive day-to-day execution of client projects.</p><p>&sect; Lead hiring and mentoring initiatives to expand and upskill execution and delivery team for engagements</p><p>&sect; Design and monitor detailed project plans for assigned engagements</p><p>&sect; Directly report and provide detailed updates to business unit leader for all assigned engagements on an on-going basis</p><p>&sect; Lead and actively participate in designing proposals, RFP responses and pitches for business development pursuits</p><p><b>Key performance metrics:</b></p><p>&sect; Adherence to project delivery timelines</p><p>&sect; Adherence to the firm&rsquo;s standards for processes and quality</p><p>&sect; Project profitability</p><p>&sect; Client feedback</p><p>&sect; Feedback from counselor and other team members</p><p><b>Other expectations:</b></p><p>&sect; An &ldquo;ownership attitude&rdquo; whose passion for solving issues and creating value</p><p>&sect; Strong analytical and logical skills</p><p>&sect; Strong business writing and oral communication skills</p><p>&sect; Collaborative and partnership-oriented and ready to work as a team member.</p><p>&sect; Demonstrated ownership over deliverables and project engagement.</p><p>&sect; Ability to handle highly challenging and time-bound projects with a positive mindset.</p><p><b>Other important information:</b></p><p>&sect; <b>Work permit requirements:</b> Either UAE Citizen or having valid work permit to work in UAE.</p><p>&sect; <b>Period of engagement:</b> Full time role</p><p>&sect; <b>Probation period:</b> 6 months</p><p>&sect; <b>Compensation: </b>Compensation varies depending on the skill, fitment and role played by the person. Compensation discussions will take place post the selection process.</p><p>&sect; <b>Performance incentives:</b> Typically, all roles at Acies have a performance incentive. Specific aspects will be discussed during the compensation discussion.</p><p>&sect; <b>Leave: </b>National holidays, sick leaves, maternity and paternity, bereavement and studies vary based on the city and country of engagement.</p><p>&sect; <b>Other benefits:</b> Other employment benefits including medical insurance will be informed during the compensation discussion.</p><p>&sect; <b>Career growth for full-time roles:</b> Acies believes in a transparent and data-based performance evaluation system. You are encouraged to clarify any questions you have with respect to career growth with Acies personnel you interact with during the selection process.</p><p>&sect; <b>Career opportunities for part-time roles:</b> Conversion of part-time roles to full-time roles depends on both performance of the individual and business needs. You are encouraged to ask about the prospects as you interact with Acies personnel during the selection process.</p><p>&sect; <b>Global mobility:</b> Acies encourages mobility across our offices. Such mobility is, however, subject to business needs and regulations governing immigration and employment in various countries.</p><p><b>Selection process:</b></p><p>We seek to be transparent during the selection process. While the actual process may vary from the process indicated below, the key steps involved are as follows:</p><p>&sect; <b>Interview:</b></p><p>&sect; There are expected to be at least two rounds of interviews with the Acies team.</p><p>&sect; Following the above, there are expected to be at least two rounds of interviews with the respective client team.</p><p>The number of interview rounds may vary depending on the criticality and seniority of the role.</p><p>&sect; <b>Final discussion on career and compensation:</b> Post final selection, a separate discussion will be set up to discuss compensation and career growth. You are encouraged to seek any clarifications.</p><p><b>Preparation required: </b></p><p>It is recommended that you prepare the following aspects before the selection process:</p><p>&sect; Understanding of products / exposures in the financial services industry (Banks / NBFC / Insurance)</p><p>&sect; Demonstrate knowledge about credit risk modelling, PD, LGD, ECL, etc.</p><p>&sect; Demonstrate experience of various methodologies used for modelling default rates, credit scores, recovery rates, etc.</p><p>Job Types: Full-time, Permanent, Contract<br/>Contract length: 12 months</p><p>Pay: AED72,000.00 - AED96,000.00 per year</p><p>Ability to commute/relocate:</p><ul><li>Dubai: Reliably commute or planning to relocate before starting work (Required)</li></ul><p>Education:</p><ul><li>Bachelor's (Required)</li></ul><p>Experience:</p><ul><li>Banking or a banking client facing role based consulting: 2 years (Required)</li><li>Credit risk management &amp; modelling: 2 years (Required)</li></ul><p>Location:</p><ul><li>Dubai (Required)</li></ul>

Credit Risk Analyst

LSEG (London Stock Exchange Group)

<div><div>The Sales Specialist - Risk Intelligence is responsible for growing the Risk business in a defined territory through prospecting for new clients and developing new business opportunities within existing customer accounts. The Sales Specialist must have domain knowledge of Risk and Compliance requirements and workflow. This includes: AML/KYC Screening, EDD and Regulatory Content within the financial markets. The successful candidate must be able to effectively position and demonstrate the Refinitiv solutions in this area and through a consultative sales process.<br>
<br>
As a subject matter expert to sales and pursuit activities, you will act in of support Account Managers focusing on all sales (new, cross-sells, up-sells) for the organization's proposition and serve accounts within a defined territory. The role works in close partnership with internal stakeholders to proactively drive gross sales and revenue.</div><div></div><div>
What You'll Do</div><div>
The role is clearly designed for a strategic sales hunter. Highlights include:</div><ul><li><div>
Drive new business and product sales through new account acquisition and penetration of untapped buyer hubs, consistently delivering against targets in the assigned territory.</div></li><li><div>
Identify and pursue new sales opportunities through strategic analysis, referrals, and market insights, targeting new logos and emerging client needs Lead a robust pipeline using Salesforce, ensuring accurate forecasting and consistent deal progression.</div></li><li><div>
Structure, negotiate and close deals.</div></li><li><div>
Proactively identify pipeline opportunities, working in tandem with the Account Managers.</div></li><li><div>
Develop the sales strategy for their proposition within a given territory.</div></li><li><div>
Provide insights and share LSEG thought leadership on their proposition with customers.</div></li><li><div>
Deliver customer demonstrations on their specific propositions.</div></li></ul><div></div><div>
What You Need to Bring</div><div>
Deep market understanding including a) expert understanding of Risk and Compliance b) knowledge of relevant market c) strong understanding of customers' business model workflow</div><div>
World class selling skills (identify, develop, &amp; articulate proposition/ consultative selling) as a &ldquo;hunter&rdquo;</div><div>
Strong sales &lsquo;closer&rsquo;</div><div>
Significant Product and Workflow Expertise. Risk, KYC/AML and Regulatory Content experience</div><div>
Creative thinker and good sales ideation skills</div><div>
Presentation skills (verbal &amp; written)</div><div>
Strong interpersonal skills</div><div>
Ability to organize and execute a sales plan</div><div>
Executive presence</div><div>
Over 5 years of industry, sales or market experience</div><div>
Proven track record in a quota bearing sales environment</div><div>
Experience selling to C- level executives</div><div>
Proficiency in English language</div><div></div><div>
What Success Looks Like<br>
Success at LSEG is defined by four core behaviors that guide how individuals operate and grow within the organisation: integrity, partnership, excellence, and change.</div><div></div><div>
Uphold the highest standards through integrity and accountability.</div><div>
Define and implement a strategic sales territory plan, ensuring a healthy pipeline while building long-term client relationships.</div><div>
Consistently meet or exceed sales targets and critical metrics, including activity levels, lead generation, conversion rates, and deal velocity.</div><div>
Demonstrate continuous growth in product and industry knowledge.</div><div>
Act as a trusted advisor, influencing internal priorities to align with client needs.</div><div>
Commit to continuous learning by seeking feedback and striving for improvement welcoming challenges.</div><div><br>
Why Join Us?<br>
We&rsquo;re a diverse and inclusive organisation with over 300 years of heritage, 25,000 colleagues across 65 countries, and a shared commitment to creating a workplace where everyone can thrive. We believe in supporting each other&mdash;through inclusive networks, flexible working, and a culture that values balance, purpose, and growth.</div><div>
We invest in your success from day one, with a 90-day onboarding journey, continuous learning opportunities, and regular check-ins to help you reach your goals. We care about your wellbeing too, offering hybrid work, private healthcare, pension contributions, a daily &ldquo;Me Hour,&rdquo; and an annual wellness allowance. We also believe in giving back. That&rsquo;s why we offer paid volunteer time and match your fundraising efforts for causes close to your heart. And when you bring great people into our team, we reward you with a competitive referral bonus.</div><div></div><div>
Career Stage:</div>
Senior Associate<div></div><div>
London Stock Exchange Group (LSEG) Information:</div><div>
Join us and be part of a team that values innovation, quality, and continuous improvement. If you're ready to take your career to the next level and make a significant impact, we'd love to hear from you.</div><div></div><div>
LSEG is a leading global financial markets infrastructure and data provider. Our purpose is driving financial stability, empowering economies and enabling customers to create sustainable growth.</div><div></div><div>
Our purpose is the foundation on which our culture is built. Our values of Integrity, Partnership, Excellence and Change underpin our purpose and set the standard for everything we do, every day. They go to the heart of who we are and guide our decision making and everyday actions.</div><div></div><div>
Working with us means that you will be part of a dynamic organisation of 25,000 people across 65 countries. However, we will value your individuality and enable you to bring your true self to work so you can help enrich our diverse workforce.</div><div></div><div>
We are proud to be an equal opportunities employer. This means that we do not discriminate on the basis of anyone&rsquo;s race, religion, colour, national origin, gender, sexual orientation, gender identity, gender expression, age, marital status, veteran status, pregnancy or disability, or any other basis protected under applicable law. Conforming with applicable law, we can reasonably accommodate applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs.</div><div></div><div>
You will be part of a collaborative and creative culture where we encourage new ideas. We are committed to sustainability across our global business and we are proud to partner with our customers to help them meet their sustainability objectives. Our charity, the LSEG Foundation provides charitable grants to community groups that help people access economic opportunities and build a secure future with financial independence. Colleagues can get involved through fundraising and volunteering.</div><div></div><div>
LSEG offers a range of tailored benefits and support, including healthcare, retirement planning, paid volunteering days and wellbeing initiatives.</div><div></div><div>
Please take a moment to read this <div>privacy notice</div> carefully, as it describes what personal information London Stock Exchange Group (LSEG) (we) may hold about you, what it&rsquo;s used for, and how it&rsquo;s obtained, <div>your rights and how to contact us as a data subject</div>.</div><div></div><div>
If you are submitting as a Recruitment Agency Partner, it is essential and your responsibility to ensure that candidates applying to LSEG are aware of this privacy notice.</div></div>

Sales Specialist- Risk Intelligence

Underwriting Credit Analyst is responsible for owning the Credit Risk Analysis for Citi Corporate Clients 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.Key Responsibilities: Assess the credit and financial strength of Citi s Corporate Clients based in Sub-Saharan Middle East and North Africa by performing fundamental credit analysis of counterparties using both quantitative and qualitative factorsComplete Credit Analysis Write-up Memos and assign internal ratings 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 appetiteContinuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Senior Underwriters, Risk and Banking partnersPartnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfoliosKnowledge/Experience:Demonstrable financial services experience, including 0-3 years of credit experience in Banking, Credit Risk Management or equivalent credit experience. We also encourage fresher to apply.Ability to understand Citi policies and procedures with the ability to execute change seamlessly.Intermediate analytical skills, including an understanding of key financial components like liquidity position, leverage profile with the ability to identify root causes and trends and anticipate horizon issuesSkills/Competencies:Assists colleagues in identifying stretch opportunities to elevate individual and team performanceInterpersonal skills, with the ability to build relationships and exert influence with and without direct authorityOrganizational skills with ability and willingness to work under pressure and manages time and priorities effectivelyWritten and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniorityMicrosoft Office (Word, Excel, and PowerPoint) skillsLanguage: English   Read, Write and SpeakQualifications:BA/BSc or higher degree in Business (MBA), or any other related subjectThis 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 SkillsAnalytical 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 SkillsFor 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 s EEO Policy Statement and the Know Your Rights poster.

Underwriting Credit Analyst - Officer

FlapKap

<div><ul><li>Conduct thorough analysis of financial statements, credit reports, and other relevant data to assess the creditworthiness of individuals and businesses.</li></ul><ul>
<li>Evaluate the financial health of borrowers by analyzing their income, debt levels, and liquidity.</li>
<li>Assess the risk associated with extending credit and make recommendations for credit approvals or rejections.</li>
</ul><ul><li>Prepare detailed credit reports and summaries for internal and external stakeholders.</li>
<li>Monitor and manage the credit exposure of existing borrowers by reviewing financial statements and conducting periodic risk assessments.</li>
<li>Stay updated on industry trends, economic indicators, and regulatory changes that may impact credit risk.</li>
<li>Collaborate with other departments, such as sales and underwriting, to gather and analyze necessary information for credit evaluations.</li>
<li>Provide guidance and support to junior credit analysts in their analysis and decision-making processes.</li>
<li>Develop and maintain relationships with clients, ensuring clear communication and understanding of credit terms and conditions.</li>
<li>Assist in the development and implementation of credit policies, procedures, and risk assessment models to improve overall credit management.</li>
</ul><p><b>
Requirements</b></p><ul>
<li>
Strong analytical and problem-solving skills, with the ability to analyze complex financial data and draw accurate conclusions.</li>
<li>In-depth knowledge of financial analysis techniques, credit risk assessment, and industry best practices.</li>
<li>Proficient in using financial analysis software and tools.</li>
<li>Excellent written and verbal communication skills, with the ability to present complex financial information in a clear and concise manner.</li>
<li>Attention to detail and high level of accuracy in analyzing and interpreting financial data.</li>
<li>Ability to work independently and manage multiple priorities in a fast-paced, deadline-driven environment.</li>
<li>Strong interpersonal skills, with the ability to build and maintain effective relationships with clients and internal stakeholders.</li>
<li>Sound judgment and decision-making abilities, with the ability to assess risks and make recommendations accordingly.</li>
<li>Proficient in Microsoft Office Suite, particularly Excel, for financial analysis and reporting purposes.</li>
<li>Strong ethical standards and adherence to confidentiality requirements.</li>
</ul><p><b>
Benefits</b></p><ul><li>
Competitive Salaries
</li></ul><ul><li>Private Health Insurance</li>
<li>A highly collaborative team environment that will support your professional and personal growth
</li><li>Work From Home</li>
<li>Training &amp; Development</li>
<li>Performance Bonus</li></ul></div>

Senior Credit & Risk Analyst - SME - UAE Residents

United States Citigroup

<p>Underwriting Credit Analyst is responsible for owning the Credit Risk Analysis for Citi Corporate Clients 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.</p> <p><strong>Key Responsibilities:</strong></p> <ul> <li>Assess the credit and financial strength of Citi s Corporate Clients based in Sub-Saharan Middle East and North Africa by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors</li> <li>Complete Credit Analysis Write-up Memos and assign internal ratings 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 Senior Underwriters, 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> </ul> <p><strong>Skills/Competencies:</strong></p> <ul> <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> <p><strong>Language:</strong> English   Read, Write and Speak</p>

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Senior Credit & Risk Analyst - SME - UAE Residents

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