ICM Credit Risk Intermediate Analyst – Officer (Real Money Funds)

Citi; Mumbai; On-site; INR 1,600,000 - 2,200,000; Full time

Job summary

Citi is seeking an experienced credit risk professional to perform credit analysis (CAMs) for Real Money Funds clients within ICM Funds Underwriting. The role supports the First Line of Defense in CCR risk management and requires strong analytical skills and independent judgement.

Ideal candidates have 4–6 years in banking or credit risk, with MBA/CA/CFA or equivalent, and proficiency in MS Office. The position is based in Mumbai, India, and involves collaboration with regional teams and senior

Qualifications

• 4–6 years of credit experience in Banking, Credit Risk Management or equivalent
• MBA/CA/CFA or equivalent is required
• Proficiency in presenting to senior stakeholders and MS Office

Responsibilities

• Assess the credit and financial strength of Citi’s Real Money Funds Clients by performing fundamental credit analysis
• Prepare CAMs and final obligor risk ratings based on due diligence and industry knowledge
• Monitor portfolio performance and escalate credit issues to Upstream teams and Banking partners
• Review and provide recommendations on risk ratings across Funds sector
• Collaborate with regional stakeholders to implement credit assessment and monitoring standards

Skills

Analytical Thinking

Credible Challenge

Financial Analysis

Governance

Risk Management

Education

MBA/CA/CFA or equivalent

Tools

Citi systems

MS 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 Investment Advisors as Agent, and Pension Funds. We are seeking an experienced professional to perform credit analysis (preparing CAMs) for Real Money Funds clients. This is a First Line of Defense risk management role.

Key Responsibilities:

• Assess the credit and financial strength of Citi’s Real Money Funds Clients (for EMEA Funds portfolio) 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 Banking partners
• Review and provide recommendation on the risk rating across the Funds sector
• Partner with regional and industry stakeholders in Underwriting, 2LoD, and Banking in the implementation of credit assessment and monitoring standards for applicable portfolios

Skills/Competencies:

• Demonstratable financial services experience, including 4-6 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
• Good knowledge of Wholesale Credit Processes and organizational awareness including ICM functions, covered portfolios/products, and processes
• Solid and thorough knowledge of Citi´s systems (preferable)
• Experience in preparing clear and concise presentations to senior stakeholders
• Demonstrate strong ownership and organizational skills with ability and willingness to work under stringent deadlines, manages time and priorities effectively
• Good Microsoft Office (Word, Excel, and PowerPoint) skills

Education:

• MBA/CA/CFA or equivalent

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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