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.
*responsibilities*:
- conduct risk assessments and client credit analyses, review financial results and peer analyses and prepare financial projections
- prepare green-light and transaction approval memos, conduct due diligence, build cash flow models and conduct sensitivity analyses
- 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
- assist with portfolio review preparation and conducting stress tests
- build working relationships with various teams across the bank, including deal, coverage and product teams
*qualifications*:
- 0-2 years of experience in credit risk analysis or corporate banking
- experience in financial analysis, accounting and valuation
- knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution
- consistently demonstrate clear and concise written and verbal communication
- proven ability to work with little direction and in a team
- demonstrated accountability, self-motivation and business acumen
*education*:
- bachelor's degree/university degree or equivalent experience
- the credit portfolio analyst ii is an intermediate-level position responsible for managing loss forecast models for ccar and cecl ensuring compliance with model risk management policy and procedures._
*_responsibiliies:_*
- _support analytical work for the development of ccar, cecl, tdr models regarding the gcb portfolios _
- _work in partnership with the risk modeling unit (rmu) from usa and india, in order to support the international teams with a comprehensive understanding of macroeconomic environment and mexican portfolios._
- _proactive support and participation in the development of forecasting models _
- _support in the documentation of ccar, cecl and tdr models under the global standards and guidelines (mdd, amr, mca) _
- _perform the analysis of all the components of several models under stress macroeconomic environment, in order to design and implement adjustments to models and get a comprehensive understanding of the forecast._
- _monitor and design enhancements to forecast models under baseline scenarios_
- _design, implement and monitor internal reports in order to track the accuracy and effectiveness of the base and stress models aligned with the quarterly process under the global requirements (opas)_
- _support in finding high impact opportunities for process optimization and tracking of existing models._
- _manage the back testing and tracking of the main indicators (cerrpct, mad, rmse, and cov), limitations of existing models and on-going validation process._
- _proactively coordinate different areas and global teams_
- _coordinate data quality of the base and stress models and provide follow-up to remediation in case of data issues._
*_ skills_*
- _analytical and mis capabilities_
- _understanding of macroeconomic variables, financial and statistical concepts and economic behavior _
- _ability to work under stress and pressure, in a continuous changing environment_
- _commitment to team work _
- _consistently demonstrate clear and concise written and verbal communication, including excellent verbal & written english communication skills._
- _develops and find solutions to the challenges faced_
- _identify and propose corrective actions and business opportunities_
- _stress management and proven results driven_
- _programming and database management skills_
- _ability to comply in time with multiple projects working in parallel._
- _proactive and self-learning with demonstrated accountability, self motivation and business acumen._
*_ education and job requirements:_*
- _bachelor degree in economics, statistics, actuary, mathematics a must._
- _experience in financial institutions in areas of consumer credit_
- risk management or related areas preferred_
- _1-2 years model development experience preferred_
- _advanced english_
- _advanced excel_
- _medium to advanced sas, visual basic, data mining, python, r_
- *job family group*:
risk management
- *job family*:
credit & portfolio risk management
- *time type*:
full time
- citi is an equal opportunity and affirmative action employer.
Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
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