Institutional Credit Management Risk Analysis (IRAUs) is an integral part of the Institutional Credit Management ("ICM") organization. The IRAU's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to the Business and Risk's shared commitment to ensuring the safety and soundness of wholesale lending.
ICM Risk Analysis Credit Risk Houston Associates are responsible for a portfolio of Commodity Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for onboarding new clients as well as the continuous monitoring of the portfolio. This includes the production of Transaction Memos, Annual Reviews, Quarterly Reviews, and supporting Portfolio & Industry Reviews and Stress Testing as well as ad-hoc request.
This role has responsibility for the portfolio of commodity managed clients and the role reports directly to the ICM Risk Analysis (IRAU) Credit Risk Team Lead.
Key Responsibilities:
Assess the credit and financial strength of Citi’s commodity managed clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Counterparties 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
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICM Risk and Business partners
Reviewing and providing recommendation on the risk raking across this sector
Partnership with applicable industry stakeholders in the Business and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)
Knowledge/Experience:
Demonstrable financial services experience, including 3-5 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
Strong knowledge of Wholesale Credit Processes and organizational awareness including IRAU functions, covered portfolios, and processes
Sound understanding of policies and procedures with the ability to execute change seamlessly
Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks
Solid and thorough knowledge of Citi´s systems
Experience in preparing presentations for seniors
Full awareness and adherence to the control environment including Quality Assurance and Quality Control
Skills/Competencies:
Assists colleagues in identifying stretch opportunities to elevate individual and team performance
Coach and mentor analysts to develop team strengths and improve weaknesses
Proven culture carrier
Well-developed interpersonal skills, with the ability to build relationships and exert influence with and without direct authority
Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
Clear written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
Good Microsoft Office (Word, Excel, and PowerPoint) skills
Qualifications:
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
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Job Family Group:
Risk Management--------------------------------------- ---------------
Job Family:
Credit Decisions-------------------------------------- ----------------
Time Type:
Full time------------------------------------- -----------------
Primary Location:
Houston Texas United States------------------------------------ ------------------
Primary Location Full Time Salary Range:
$96,400.00 - $144,600.00
In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
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Anticipated Posting Close Date:
Jun 25, 2024---------------------------------- --------------------
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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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