• Job Description

  Req#: 25824755

  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
  • 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.

  Qualifications:

  • 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

  Citi Retail Services (RS) organization is a leading U.S. Retail Cards business, with a 40%+ market share and greater than $40B in receivables across 40+ million open active Card member accounts. RS provides retail card products to the customers of a diverse group of major national retailers, oil companies and specialty retailers and dealers (the “Partners”). Products provided by RS include financing, transaction, and payment solutions that augment Partners’ existing marketing and sales strategies. These products serve to enhance Partner sales through direct integration with Partner branding, marketing and data management. RS also provides supplemental services to Card members such as debt protection, identity protection and credit monitoring.

  ROLE & RESPONSIBILITIES

  Business/ Department Objectives

  Enhance and improve the Risk policies using statistical techniques to optimize business growth and profits by minimizing the losses

  Core Responsibilities:

  • Support tactical and strategic Risk Analytics projects for Citi’s Retail Services Group in the US.
  • Independently manage development and implementation of effective risk management strategies that help mitigate credit losses
  • Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes
  • Apply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies.
  • Must be able to effectively provide updates and communicate key initiatives to senior risk management.

  • Analyzing tests and performance using SAS and decision tree (CHAID/ CART)
  • Evaluating effectiveness of current policies and strategies

  Day-to-Day Responsibilities:

  • Must have capability to clearly develop and communicate analysis
  • A good understanding of Credit life cycle and Collections/Recoveries
  • Must have hands on expertise in developing and managing segmentation
  • Presentations to both technical and non-technical personnel are required to be made frequently as part of the job.
  • Ability to work efficiently in a matrix environment balancing between both business and functional interactions and priorities.

  Key Deliverables:

  • Provide insight into the data through MIS and deeper analytics
  • Summarize analytic reports into presentations and share analyses and reports with senior leadership

  QUALIFICATIONS

  Required

  Education :

  Bachelor’s degree in a quantitative discipline: Mathematics, Economics, Operations Research, And Statistics

  Master’s degree in a quantitative discipline: Mathematics, Economics, Operations Research, Statistics is preferred

  Experience : 2+ years of relevant experience

  Skills :

  Strong analytical skills in conducting sophisticate analysis using bureau/vendor data, customer performance data and marketing data to solve business problems. Good programming skills in advanced SAS and SQL in mainframe, UNIX and PC environments. Highly proficient in Excel/pivot tables and PowerPoint. Credit card industry experience especially in an analytics or policy role is preferred

  Others:

  Exposure to project/process management Strong communication and presentation skills targeting a variety of audiences A qualified candidate needs to be able to work with cross functional teams Creates and sustains a network of strong client relationships. Flexibility in approach and thought process Ability to work effectively across portfolio risk policy teams and functional areas teams Strong influencing, negotiating, and facilitation skills. Analytical mindset

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  Job Family Group:

  Risk Management

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  Job Family:

  Portfolio Credit Risk Management

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  Time Type:

  Full time

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  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.

  Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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 the "EEO is the Law " poster. View the EEO is the Law Supplement .

  View the EEO Policy Statement .

  View the Pay Transparency Posting

• About the company

  While we're a global bank, our mission is simple: We responsibly provide financial services that enable growth and economic progress. We strive to earn and maintain the public's trust by constantly adhering to the highest ethical standards. We ask our colleagues to ensure that their decisions pass three tests: they are in our clients' interests, create economic value, and are always systemically responsible. When we do these things well, we make a positive financial and social impact in the communities we serve and show what a global bank can do.

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