Corporate Credit Analysis - Greater China Coverage - Officer

Citigroup Inc.; Mumbai; On-site; INR 1,200,000 - 2,200,000; Full time

Job summary

Citigroup Inc. is seeking a Credit Risk Analyst for Citi's Institutional Credit Management in Mumbai. You will own credit risk analysis and support underwriting like CAM packages, financial due diligence, and stress testing.

You will collaborate with Banking, Risk and regulatory teams to ensure sound risk assessment across the portfolio. The role requires 3–6 years of experience, strong ethics, and excellent communication and presentation skills, with exposure to global risk standards and

Qualifications

• 3–6 years of relevant experience.
• Experience engaging with multiple functions across teams.
• Demonstrates strong ethics and integrity.
• Excellent verbal and written communication; active listening.
• Strong presentation skills for diverse audiences.

Responsibilities

• Execute underwriting activities aligned with global and regional strategies.
• Draft Credit Approval Memo (CAM) packets ensuring completeness and accuracy.
• Perform initial financial analysis, due diligence, projection modeling and stress testing.
• Support relationships with Banking, Risk, Regulators and internal controls.
• Assist ICM Underwriting on strategic initiatives and projects.

Skills

Credit risk analysis

Stakeholder management

Ethics and integrity

Big picture thinking

Verbal & written communication

Negotiation

Presentation skills

Education

Bachelor's degree or equivalent

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.

Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi’s institutional clients. ICM’s objective is to provide integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise. Within ICM, the Credit Underwriting function (“ICM UW” or “UW”) provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking, Services, and Markets relationships.

ICM Credit Risk Analysts are responsible for a portfolio of relationships across Greater China 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, quarterly reviews, and the support of ad-hoc transactions and portfolio & industry reviews and stress testing, in partnership with CCB and Risk.

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:

• 3 - 6 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

Education:

• Bachelor’s/University degree or equivalent experience

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.

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