Credit Risk Analyst - Unsecured Lending

Credit Portfolio Analyst II

The Credit Portfolio Analyst II is an intermediate-level position responsible for monitoring Citi's portfolio to identify credit migration in coordination with the Risk Management team, reporting under Retail Unsecured Team. The objective is to manage Citi's portfolio exposure to clients and counterparties globally.

Job Responsibilities

• Conduct risk assessments and client credit analyses with supervision.
• Perform portfolio analysis and monitoring using data-driven tools.
• Escalate credit concerns and updates to senior risk and business managers.
• Support the proposal of risk mitigation actions by staying informed of portfolio and industry developments, understanding the credit process, policies, and Citi's risk appetite.
• Assist with portfolio review preparation and the conduct of stress tests.
• Build working relationships with product, operations, and other stakeholders across the bank.
• Assess risk appropriately when business decisions are made, safeguarding Citi, its clients, and assets.
• Support compliance with applicable laws, rules, and regulations, adhering to Policy and escalating control issues with transparency.
• Provide input into the risk analysis of tools used to monitor Credit Risk Exposure.
• Assist in monitoring credit portfolio limits to ensure compliance with risk appetite limits.
• Be an enthusiastic adopter of change, take ownership, and help others adapt during uncertainty.
• Demonstrate curiosity and apply learning from failures to improve outcomes.
• Encourage diverse ideas, challenge assumptions, and seek ways to improve results.
• Act as a change catalyst by identifying opportunities where new ideas could benefit the organization.
• Understand and align with organizational decisions; help others prioritize team and enterprise success.
• Focus on high-priority work aligned to business goals and help others manage competing priorities.
• Identify opportunities to streamline work and implement process improvements.
• Take accountability for escalating, identifying, and managing potential risk; implement controls to improve client experience and operations.
• Anticipate problems and propose root-cause solutions.
• Set high expectations and strive to deliver excellence and exceed performance goals.
• Model ethical behavior and act in the best interest of clients and Citi in all situations.
• Engage stakeholders early and often to improve collaboration toward common goals.
• Volunteer for Citi programs that support the community and advocate for client and community needs.
• Promote colleague well-being and development; listen empathetically and amplify underrepresented voices.
• Assess risk with consideration for Citi's reputation and regulatory compliance, escalating and reporting control issues with transparency.

Qualifications

• 0-2 years of experience in credit risk analysis or corporate banking.
• Working knowledge of data management tools (e.g., SAS, Python, R, SQL).
• Experience in financial analysis, data management, and reporting.
• Knowledge of accounting, corporate finance, financial modeling, credit and banking products, credit analytics, risk assessment, and transaction execution.
• Familiarity with data interpretation and the ability to challenge decisions based on data analysis.
• Basic understanding of risk factors including stress testing, collateral risk, volatility, concentration risks, liquidity, and wrong-way risk; experience reviewing these factors is preferred.
• Ability to interpret data, make sound decisions, and challenge the basis of the analysis.
• Value-added contributor with strong teamwork and communication skills.
• Clear and concise written and verbal communication.
• Ability to work with little direction and in a team.
• Problem-solving skills to identify, analyze, and resolve basic problems.
• Familiarity with risk management software and other relevant technologies.
• Adaptability and flexibility to respond to ad-hoc requests and regulatory changes.
• Familiarity with industry tools for efficient data management and analysis.

Education

Bachelor's degree / University degree or equivalent experience.

Job Family Group: Risk Management

Job Family: Portfolio Credit Risk Management

Time Type: Full time

Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, 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 race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other characteristic protected by law.

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