Credit Analyst

Location: Gurugram Haryana India

The Credit Analyst 3 is a strategic professional who stays abreast of developments within own field and contributes to directional strategy by considering their application in own job and the business. Recognized technical authority for an area within the business. Requires basic commercial awareness. There are typically multiple people within the business that provide the same level of subject matter expertise. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers.

Significant impact on the area through complex deliverables. Provides advice and counsel related to the technology or operations of the business. Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.

Responsibilities

Assesses the adequacy of underwriting, portfolio management, collateral evaluation, and the reliability of asset

classifications and risk rating by conducting individual credit reviews.

Assesses the system of internal controls over the credit function, the status of corrective action on previously identified

weaknesses and the cause of any deficiencies or adverse trends.

Conducts discussions with the relationship managers/loan officers and service officers when additional data for review as required.

Prepares reports on the overall quality of the portfolios reviewed, including assessment of monitoring and proper risk grading.

Prepares work papers that adequately substantiate conclusion reached about each of the individual credits reviewed.

Teams with other Loan Review Officers and the Head of Loan Review to compile a portfolio review summary report for distribution to the senior management and participate any presentations or discussions of the report.

Makes recommendations for process improvements.

Moderate travel will be required (1 to 2 weeks a month)

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

• 6-10 years relevant experience
• Expert in loan originations and processes.
• Excellent analytical skills and attention to detail
• Ability to interact with all levels of managers and associates
• Knowledge of Secondary Marketing and Derivative transactions
• Proven written/oral communication skills
• Advanced Microsoft skills: Excel, PowerPoint, and Word

Education

Bachelor’s/University degree, Master’s degree preferred

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

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Job Family

Credit Risk

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Time Type

Full time

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Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

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Other Relevant Skills

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

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

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