Corporate Credit Officer - Greater China Coverage - Assistant Vice President

Citi; Mumbai; On-site; INR 3,500,000 - 6,000,000; Full time

Job summary

Citi in Mumbai seeks an experienced Credit Risk Analyst responsible for credit risk analysis, underwriting, annual/quarterly reviews, and ongoing monitoring for institutional clients. You’ll produce rigorous analyses, draft credit memos, and support risk controls.

The role requires 6–10 years of relevant experience, a Bachelor’s degree (Master’s preferred), and strong communication with stakeholders across Banking, Risk and Regulators.

Qualifications

• Bachelor’s degree or higher in a related field.
• Experience in credit risk analysis and underwriting.
• Strong financial modeling and risk assessment skills.

Responsibilities

• Underwrite and analyze credit proposals end-to-end.
• Prepare CAMs and conduct financial due diligence.
• Monitor portfolios and support risk governance and regulatory requests.

Skills

Credit risk analysis

Underwriting

Financial modeling

Regulatory compliance

Education

Bachelor's degree

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.

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 responsiblefor 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:

• 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

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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This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.