Job Description

The Credit Portfolio Analyst II is an intermediate-level position responsible for conducting credit portfolio reviews, monitoring the portfolio, and data management & reporting to identify credit migration in coordination with the Unsecured Credit Risk Management team. This role will report into the Unsecured ECM (Existing Customer Management) Risk Policy Manager.

Responsibilities:

• Conduct risk assessments and credit portfolio analyses, through data management tools (SAS) for Portfolio Usage Actions (Loans, Installment products, and consumer lending)
• Prepare data requirements and reporting submissions to local & US regulators
• Escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action to be taken by continuously assessing credit risk of 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, risk appetite framework (RAF), and benchmarking analysis
• Regularly with business teams to actively grow the Loans base, partnering with various internal stakeholders (Credit Ops, Technology, Independent Risk) via data-driven decisions.
• 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:

• 1-4 years of experience in credit risk analysis or corporate banking
• Use of data analytics tools, such as SAS, Excel, VBA, Data Miner
• Experience in consumer portfolio, preferably unsecured products
• Knowledge of accounting and 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

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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