Credit Analyst

Citibank (Switzerland) AG; Mumbai; On-site; Confidential; Full time

Job summary

Citi in Mumbai, India seeks an experienced ICM UW Analyst to perform credit risk analysis and underwriting for trade finance programs. You will support annual and quarterly reviews, monitor risk ratings, and collaborate with Trade Transactors, Product and Risk teams across geographies.

The role requires 3–6 years in credit risk with strong analytical skills, integrity, and ability to navigate complex environments. Citi offers a challenging, global environment and growth opportunities.

Qualifications

• 3–6 years of relevant experience in credit risk management.
• Bachelor’s/University degree or equivalent experience.
• Demonstrates strong ethics, integrity and cross-functional engagement.

Responsibilities

• Execute underwriting aligned with global strategies across end-to-end process.
• Ensure portfolio has no past dues or stale ratings.
• Draft CAM packages with complete and accurate information.
• Conduct initial financial analysis, due diligence, projection modeling, stress testing, risk ratings.
• Support stakeholders in Banking, Risk, Regulators, Internal Audit and control functions.
• Support ICM Underwriting on strategic initiatives and projects.

Skills

Analytical Thinking

Credible Challenge

Financial Analysis

Governance

Policy & Procedure

Regulation

Risk Management Lifecycle

Education

Bachelor’s/University degree or equivalent experience

Job description

Job Description

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. Citi’s Services business provides global solutions that help corporations, financial institutions, public sector and commercial clients optimize operations and drive their business forward. Its Trade & Working Capital Solutions ("TTS") business line provides integrated cash management, trade finance products and services to multinational corporations. Within trade finance, Citi offers comprehensive domestic and international trade receivables financing solutions, which is one of the fastest-growing segments. These structured finance programs help businesses to increase liquidity in the supply chain and reduce the risk inherent in trade flows. ICM UW Analysts are responsible for credit risk analysis and monitoring of a portfolio of trade finance programs. The trade portfolio primarily covers two trade Receivables Finance Products (Distribution Finance "DF" & Credit Insured Accounts Receivable "CIAR"). This role reports to Trade ICM Underwriter Manager and is responsible to support on Annual Reviews, Quarterly Reviews, new-to-bank transactions, Risk Ratings, etc. in partnership with Trade Transactors, Product and Risk.

Key Responsibilities

• Execute, 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
• Ensure that assigned portfolio does not have past dues or stale ratings
• 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 structured trade product
• 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
• Preferred to have knowledge of receivables financing structures and understanding of concepts related to limited recourse receivables financing

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

Qualifications / Key Competencies

• 3-6 years of relevant experience
• Internal Citi applicants should hold relevant credit experience with good understanding of product and policies
• Bachelor’s/University degree or equivalent 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

Job Family Group: Risk Management

Job Family: Credit Risk

Time Type:

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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