Credit Risk Analyst

Citi; Mumbai; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Citi is seeking an experienced professional to perform credit analysis and underwriting for Real Money Funds clients within the Institutional Credit Management group. You will prepare CAMs, rating credits, and monitor ongoing risk, ensuring adherence to Citi policies and regulatory expectations.

The role requires strong analytical skills, attention to detail, and the ability to work under tight deadlines in a global team.

Qualifications

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

Responsibilities

• Assess the credit and financial strength of Citi’s Real Money Funds clients using quantitative and qualitative factors.
• Prepare CAMs and Final Obligor Risk Ratings from due diligence and industry knowledge.
• Monitor the portfolio and escalate credit issues to Underwriting Team Leads and BCMA partners.
• Conduct quality assurance reviews of application packages and analyses before underwriting.

Skills

Analytical Thinking

Financial Analysis

Risk Governance

Credit Analysis

Regulatory Knowledge

Education

MBA, CA, CFA or equivalent

Tools

Excel

PowerPoint

Microsoft Office

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

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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