Underwriting Credit Analyst - Officer

Citi bank; United Arab Emirates; On-site; AED 60,000 - 90,000; Full time

Job summary

A global financial institution in the United Arab Emirates seeks a candidate for a credit analyst role. Responsibilities include assessing corporate clients' creditworthiness, writing credit analysis memos, and monitoring potential credit issues. Candidates should have a degree in Business and up to 3 years of relevant experience, with strong analytical, interpersonal, and organizational skills. Proficiency in English and familiarity with Microsoft Office are required.

Qualifications

• 0-3 years of credit experience in Banking or Credit Risk Management; fresher applicants encouraged.
• Ability to understand and execute Citi policies and procedures.
• Intermediate skills in financial analysis.

Responsibilities

• Perform credit analysis of corporate clients in MENA.
• Complete credit write-ups and assign internal ratings.
• Monitor portfolio and escalate potential credit issues.

Skills

Analytical skills

Interpersonal skills

Organizational skills

Communication skills

Microsoft Office skills

Education

BA/BSc or higher degree in Business (MBA)

Job description

Responsibilities

• Assess the credit and financial strength of Citi’s Corporate Clients based in 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

French – 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.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

View Citi’s EEO Policy Statement and the Know Your Rights poster.