Corporate Credit Analysis - Greater China Coverage - Assistant Vice President

Citi; Mumbai; On-site; INR 2,000,000 - 3,000,000; Full time

Job summary

Citi in Mumbai, India, invites seasoned credit risk professionals to join our underwriting team. You will execute underwriting aligned with global standards, develop CAMs, and perform rigorous financial analysis to support risk decisions.

Ideal candidates have 6-10 years of relevant experience, strong ethics, and excellent communication skills. You will collaborate with Banking, Risk, regulators, and various internal teams to drive prudent risk-taking and value for clients.

Qualifications

• 6-10 years relevant experience.
• Experience in effectively engaging with various functions.
• Demonstrates strong ethics and integrity.
• Ability to understand the ‘big picture’ in a complex environment.
• Strong verbal & written communication skills. Active listening skills.
• Demonstrated influencing and negotiating ability, resolve conflicts amongst various constituencies.
• Proficient presentation skills – adept at presenting effectively to audiences of various sizes and various constituencies.
• Bachelor’s/University degree or equivalent experience.

Responsibilities

• Executes, aligned with global and regional strategies, all responsibilities regarding underwriting, including, but not limited to: end-to-end underwriting process, from early origination discussions to CAM development.
• Drafting of Credit Approval Memo (CAM) packages ensuring they are complete and accurate.
• Initial financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis.
• Support relationships with Banking and Risk, Regulators, Internal Audit, and control functions.
• Support ICM Underwriting organization on strategic initiatives /projects as required.

Skills

Analytical Thinking

Credible Challenge

Financial Analysis

Governance

Policy & Regulation

Risk Management Lifecycle

Stakeholder Management

Education

Bachelor’s/University degree or equivalent experience

Master’s degree preferred

Job description

Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism.

In this role, you're expected to:

• Executes, aligned with global and regional strategies, all responsibilities regarding underwriting, including, but not limited to:
• Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions to development of credit approval memos
• Drafting of Credit Approval Memo (CAM) packages including but not limited to ensuring they are complete and accurate
• Conducting initial financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis
• Support relationships with key stakeholders in Banking and Risk and with key Regulators, Internal Audit, and control functions
• Support ICM Underwriting organization on strategic initiatives /projects as required
• Risk Management Experience:
• Experience in and exposure to global credit risk management standards
• Ability to understand financing and product structures
• Ability to assess financial and industry data to conduct credit assessment
• Able to discuss and address issues associated with the allocation of risk assets and risk capital in partnership with stakeholders and product organizations.
• Client Relationships / Business Partnership:
• Ability to understand nuances of local markets, local regulation, and the capabilities and practices of competitors
• Navigates organizational complexity and breaks silos
• Creates and sustains a network of strong partnerships with the business in all segments & geographies and other risk functions
• Provides well-reasoned, balanced assessments of risk/return trade-offs associated with transactions and client relationships

As a successful candidate, you’d ideally have the following skills and exposure:

• 6-10 years relevant experience
• Experience in effectively engaging with various functions
• Demonstrates strong ethics and integrity
• Ability to understand the ‘big picture’ in a complex environment
• Strong verbal & written communication skills. Active listening skills
• Demonstrated influencing and negotiating ability, resolve conflicts amongst various constituencies
• Proficient presentation skills – adept at presenting effectively to audiences of various sizes and various constituencies
• Bachelor’s/University degree or equivalent experience

Education:

• Bachelor’s/University degree or equivalent experience, Master’s degree preferred

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.

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