Underwriting Credit Analyst - Officer

22332 Citibank N.A. UAE -DIFC Branch; Dubai; On-site; AED 120,000 - 200,000; Full time

Job summary

A financial institution in Dubai is seeking an Underwriting Credit Analyst. The role involves assessing credit and financial strengths of corporate clients, performing credit analysis, and monitoring client portfolios. Candidates should have a degree in Business and 0-3 years of relevant experience. Strong analytical and communication skills are required, along with proficiency in Microsoft Office.

Qualifications

• 0-3 years of credit experience in Banking, Credit Risk Management or equivalent.
• Ability to understand Citi policies and procedures.
• Intermediate analytical skills to understand financial components.

Responsibilities

• Assess credit and financial strength of Citi's Corporate Clients.
• Complete Credit Analysis Write-up Memos and assign internal ratings.
• Monitor the covered portfolio, identifying potential credit issues.

Skills

Analytical Thinking

Communication Skills

Organizational Skills

Relationship Building

Microsoft Office

Education

BA / BSc or higher degree in Business (MBA)

Job description

Underwriting Credit Analyst is responsible for owning the Credit Risk Analysis for Citi Corporate Clients and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio & Industry Reviews.

Key Responsibilities

• Assess the credit and financial strength of Citi’s Corporate Clients based in Sub-Saharan Middle East and North Africa by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
• Complete Credit Analysis Write-up Memos and assign internal ratings 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 Senior Underwriters, Risk and Banking partners
• Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios

Knowledge / Experience

• Demonstrable financial services experience, including 0-3 years of credit experience in Banking, Credit Risk Management or equivalent credit experience. We also encourage fresher to apply.
• Ability to understand Citi policies and procedures with the ability to execute change seamlessly.
• Intermediate analytical skills, including an understanding of key financial components like liquidity position, leverage profile with the ability to identify root causes and trends and anticipate horizon issues

Skills / Competencies

• Assists colleagues in identifying stretch opportunities to elevate individual and team performance
• Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority
• Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
• Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
• Microsoft Office (Word, Excel, and PowerPoint) skills

Language

English – Read, Write and Speak

Qualifications

• BA / BSc or higher degree in Business (MBA), or any other related subject

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Job Family Group: Risk Management

Job Family: Credit Risk

Time Type: Full time

Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

Other Relevant Skills

For complementary skills, please see above and / or contact the recruiter.