Credit Risk Analyst

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

Job summary

Citigroup Inc. is seeking an experienced Credit Risk professional to perform fundamental credit analysis for Real Money Funds clients. You will underwrite credit, assess financial strength, and monitor risk exposures across fund counterparties.

The role emphasizes independent assessment, detailed memos, and timely escalation of potential issues to senior underwriting teams. Strong communication and MS Office skills are required.

Qualifications

• 1-2 years prior experience with credit analysis for corporates/financial institutions.
• Extensive knowledge of accounting, financial regulations, financial products, and credit analysis.
• Ability to analyze business and personal financial statements with respect to Citibank policies.

Responsibilities

• Assess credit and financial strength of Citi’s Real Money Funds Clients by performing fundamental credit analysis.
• Prepare Write-ups and Final Obligor Risk Ratings based on due diligence and industry knowledge.
• Monitor portfolio performance and escalate issues to underwriting and risk partners.
• Perform quality assurance reviews to ensure completeness of application packages and analyses.
• Adhere to laws, policies and regulations, and escalate control issues with transparency.
• Demonstrate ownership and meet deadlines with effective time management.
• Communicate clearly to audiences of varying seniority.
• Utilize Word, Excel, and PowerPoint for analyses and presentations.

Skills

Credit analysis

Financial analysis

Risk management

Analytical thinking

Education

MBA/CA/CFA

Tools

Microsoft Excel

Job description

Institutional Credit Management (ICM) is a critical component of Citi’s First Line of defense for wholesale and counterparty credit risk (CCR) management. ICM works with Independent Risk teams to ensure best-in-class risk and controls, and client responsiveness. Key responsibilities of the group include credit analysis, documentation, risk identification, exposure monitoring and stress testing. ICM coordinates with credit management groups across Markets as well as Banking to ensure full alignment on business and regulatory goals, as well as consistency and best practices.

Within ICM Counterparty Credit Risk (CCR), ICM Funds Underwriting is a global team responsible for measuring, monitoring and controlling counterparty risk for Funds, covering Asset Management Companies, Investment Advisors as Agent, and Pension Funds.We are seeking an experienced professional to perform credit analysis (preparing CAMs) and to underwrite credit for Real Money Funds clients.

Responsibilities:

• Assess the credit and financial strength of Citi’s Real Money Funds Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
• Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Funds Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite
• Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriting Team Leads, 2LoD Risk Partners and BCMA partners
• Complete quality assurance reviews to ensure application packages and analysis are thorough and accurate prior to forwarding for underwriting.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
• Demonstrate strong ownership and organizational skills with ability and willingness to work under stringent deadlines, manages time and priorities effectively
• Clear written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
• Good Microsoft Office (Word, Excel, and PowerPoint) skills

Qualifications:

• 1-2 years prior experience with a focus on credit analysis for corporates / financial institutions.
• Extensive knowledge of accounting, financial regulations, financial products, and credit analysis.
• Ability to analyze business and personal financial statements with respect to Citibank policies.

Education:

• MBA , CA, CFA or equivalent

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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