Credit Analyst

Citi; São Paulo; Presencial; BRL 80.000 - 120.000; Tempo integral

Resumo da oferta

A global financial institution is seeking a Credit Analyst to assess the financial strength of clients, conduct continuous monitoring of a significant credit portfolio, and produce credit analysis reports. The ideal candidate will have a Bachelor’s degree, strong communication skills, and the ability to work under pressure. This role offers exposure to the financial sector and opportunities for professional growth within the organization.

Qualificações

• Ability to build relationships with clients.
• Ability to work under pressure and manage time effectively.
• Fluency in English is required.

Responsabilidades

• Perform fundamental credit analysis using quantitative and qualitative factors.
• Complete credit analysis write-ups and internal ratings.
• Continuously monitor the covered portfolio and escalate credit concerns.
• Partner with stakeholders to implement credit assessment standards.
• Contribute to meetings and challenge ideas.

Conhecimentos

Interpersonal skills

Organizational skills

Strong written and verbal communication skills

Microsoft Office skills

Knowledge of basic financial concepts

Knowledge of Python Tool

Formação académica

Bachelor’s/University degree in Business Administration, Engineering, Accounting, International Relations or equivalent

Descrição da oferta de emprego

The Global Network Business Unit ("GNB Unit") is an integral part of the Institutional Credit Management Underwriting ("ICM UW") organization and its mandate is to deliver best‑in‑class credit risk analysis ensuring the safety and soundness of Citi’s wholesale lending and local regulatory requests.

GNB’s credit analysts are responsible for a giant portfolio of Citi’s global multinationals and their subsidiaries, owning the credit risk analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews and the support to Ad‑Hoc Transactions and Portfolio & Industry Reviews.

Responsibilities

• Assess the credit and financial strength of Citi’s clients by performing fundamental credit analysis of those clients using both quantitative and qualitative factors.
• Complete credit analysis write‑up memos and internal ratings of Citi’s clients based on independent assessment 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.
• Partnership with applicable stakeholders in ICM UW, Banking and Risk in the implementation of credit assessment and monitoring standards for applicable portfolios.
• Strong understanding of internal credit policy and procedures, proactively referring to resources as needed.
• Actively contribute to meetings, asking questions and challenging ideas.
• Display a deep commitment and positive attitude to Citi and colleagues and an eagerness to do more.

Qualifications

• Interpersonal skills, with the ability to build relationships.
• Organizational skills with ability and willingness to work under pressure and manage time and priorities effectively.
• Strong 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.
• Knowledge of basic financial concepts (e.g. liquidity position, profitability metrics, leverage profile) and macro‑economy.
• Knowledge of Python Tool is a plus.

Education

• Bachelor’s/University degree in Business Administration, Engineering, Accounting, International Relations or equivalent.
• English fluency is required.

Time Type: Full time

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. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity, review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.