Underwriting Credit Analyst - Officer

Citigroup Inc.; Dubai; On-site; AED 120,000 - 200,000; Full time

Job summary

A major global financial institution in Dubai is seeking a Credit Risk Associate to assess the credit strength of corporate clients in the Sub-Saharan Middle East and North Africa. This full-time role requires analytical skills and a relevant degree in business. Candidates with 0-3 years of credit experience or freshers are encouraged to apply. The ideal candidate will be able to work effectively under pressure and possess strong communication skills.

Qualifications

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

Responsibilities

• Assess credit and financial strength of corporate clients.
• Complete credit analysis write-ups and assign internal ratings.
• Continuously monitor the portfolio and escalate credit issues.
• Partner with stakeholders to implement credit assessment standards.

Skills

Analytical Thinking

Interpersonal skills

Organizational skills

Written and verbal communication skills

Microsoft Office skills

Education

BA/BSc or higher degree in Business (MBA)

Job description

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.

Equal Opportunity Statement

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, status as a protected veteran, or any other characteristic protected by law.

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