Credit Officer

Citi; Greater London; Hybrid; GBP 70,000 - 110,000; Full time

Benefits offered by this job

Hybrid work model

Career development

Wellbeing support

Retirement contributions

Job summary

Citi is seeking a Credit Portfolio Senior Analyst in the U.K. to conduct credit reviews, approvals and ongoing monitoring of exposures across asset-backed securities and credit financing in EMEA. The role involves in-depth credit analysis, risk rating, and coordination with Risk Management to manage portfolio migration.

You will interact with servicers/originators, prepare risk reports and participate in stress testing and regulatory reporting. A hybrid working model is offered.

Qualifications

• Experience in credit risk analysis or corporate banking.
• Knowledge of accounting and corporate finance, financial modelling, credit and banking products.
• Strong analytical and quantitative skills with ability to perform credit analysis on complex transactions.

Responsibilities

• Approving, managing and reporting risk exposures to structured vehicles backed by various asset classes.
• Perform in-depth fundamental credit analysis and monitor asset portfolios.
• Coordinate deal closings and monitor portfolio to identify credit migration.
• Analyze transactions to provide high quality credit opinions and contribute to portfolio reviews and stress tests.
• Conduct on-site reviews of servicers and originators; participate in customer calls and site meetings.
• Generate reports highlighting portfolio metrics for internal and external regulators.
• Work with CRMS and Credit Risk Operations to ensure accurate reporting in credit systems.

Skills

Credit risk analysis

Corporate banking

Financial modelling

Risk assessment

Analytical skills

Education

Bachelor's degree

Job description

The Credit Portfolio Senior Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally. This is an in-Business Credit Risk role covering the Asset Backed Securities and Credit Financing in EMEA.

Responsibilities:

• Approving, managing and reporting risk exposures to structured vehicles backed by various asset classes including Consumer Assets, Commercial Assets, Broadly Syndicated Loans and Middle Market Exposures. This will include complex highly structured financial transactions including securitization funding facilities and derivatives exposures with securitization SPE’s
• Perform in-depth fundamental credit analysis, by monitoring asset portfolios alongside a company’s financial performance, risk metrics and compliance with financial covenants (annual reviews and new credit approvals)
• Responsibilities include research, credit analysis, risk rating assessment, coordinating deal closings and active monitoring of the portfolio to identify credit migration
• Analyze transactions to provide high quality credit opinions. Contribute to the timely completion of portfolio reviews, and portfolio stress tests for senior risk and business management
• Conducting on-site reviews of servicers and originators Participate in customer calls, attend site meetings and assist with development of account strategies
• Generate reports as required to highlight portfolio metrics for internal and external regulators
• Work with CRMS, Credit Risk Operations and Global Reporting to make sure credit risk positions are accurately reported in credit systems

Qualifications:

• Experience in credit risk analysis or corporate banking
• Knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution
• Strong analytical and quantitative skills with ability to perform, review or critique credit analysis on complex transactions
• Strong writing, presentation and interpersonal skills
• Proven ability to work with little direction and in a team
• Excellent attention to detail
• Willingness to learn new products and programs
• Demonstrated accountability, self-motivation and business acumen

Education:

• Bachelor's degree/University degree or equivalent experience

What We Offer

• Opportunities to grow your career locally and collaborate with colleagues across Citi's global network.
• A hybrid working model that balances in-office collaboration with remote flexibility.
• Investment in your professional development through training programmes, mentorship, and skill-building opportunities.
• Employee wellbeing support including medical coverage, mental health resources, parental leave, and family support programmes.
• Competitive retirement contributions and investment options to support your long-term financial goals.

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, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

Other Relevant Skills

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

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.

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