Credit Risk Senior Analyst

Citi; Taguig; On-site; PHP 500,000 - 800,000; Full time

Job summary

A leading financial institution in the Philippines is seeking a Credit Risk Intermediate Analyst. The role involves analyzing financial trends and managing risks associated with borrowing relationships. Candidates should have 2-5 years of experience in credit analysis and hold a Bachelor’s degree or equivalent. This position requires strong analytical skills and attention to detail.

Qualifications

• 2-5 years previous experience in a financial institution focusing on credit analysis.
• Ability to analyze program results vs expectations.

Responsibilities

• Provides analysis of a business's financial trends for the Underwriting Manager.
• Manages the risk associated with new and existing borrowing relationships.
• Tracks established financial covenants and compliance to credit facility.

Skills

Analytical Thinking

Financial Analysis

Risk Identification and Assessment

Education

Bachelor’s/University degree or equivalent experience

Job description

The Credit Risk Intmd Analyst is a developing professional role. Deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses\' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.

Responsibilities

• Provides analysis of a business\' financial trends, indicators and other client data for presentation to the Underwriting Manager for further discussion and consideration.
• Manages the risk associated with new and existing borrowing relationships through the following:
• Performs spreads of client business financial statements
• Creates Customer Accounting Systems’ through Credit Platform
• Recognizes potential client risk through early warning systems
• Performs periodic financial statement review
• Tracks established financial covenants
• Monitors compliance to borrowing base credit facility
• Accompanies Underwriting Manager on customer site visits (when appropriate)
• Compliance with Citibank policies to ensure satisfactory ratings from internal and external auditors.
• 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.

Qualifications

• 2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.
• Analyze program results vs expectations / Develop Strategies and Criteria / Gather data and prepare data for analysis

Education

• Bachelor’s/University degree or equivalent experience

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

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Job Family Group: Risk Management

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Job Family: Credit Decisions

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Most Relevant Skills

• Analytical Thinking
• Constructive Debate
• Escalation Management
• Financial Analysis
• Policy and Procedure
• Policy and Regulation
• Product Knowledge
• Risk Controls and Monitors
• Risk Identification and Assessment

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Other Relevant Skills

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

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