Senior Credit Risk Analyst – Business & Professional Services
Citi
full-time
Posted on:
Location Type: Hybrid
Location: Irving • Illinois • Texas • United States
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Salary
💰 $96,400 - $144,600 per year
Job Level
About the role
- Facilitate the end-to-end lending process within the NAM CCB for the assigned relationships and portfolio
- Rapidly develop knowledge of assigned portfolio and industry, and create well-supported analysis that effectively balances risk and business objectives
- Ensure appropriate regulatory classification and minimizing net credit losses for covered portfolio, as well as identify emerging areas of concerns that should be escalated
- Produce the underlying analysis and workflow supporting underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, including the related diligence
- Timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio
- Facilitate the loan documentation process for both new transactions and amendments or modifications; including coordination with internal partners and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents
- Attend periodic meetings regarding covered portfolio clients and select new to bank opportunities in partnership with CLM Credit Officer and the Relationship Management team
- Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients
- Mentor and develop more junior staff and other support to become effective resources and future contributors
- Recommend and champion changes to improve existing processes to achieve greater efficiency and controls
- Work proactively, and in a constructive and diplomatic manner, with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls
Requirements
- 3+ years of related experience in credit underwriting, portfolio and/or risk management with a multinational financial services organization
- Demonstrated knowledge of basic accounting and financial concepts and their practical application in the credit underwriting process
- Excellent communication (written, verbal, presentation and listening) and organizational skills; ability to complete multiple priorities in a timely manner
- Demonstrates learning agility: seeks out resources and experience to continually build knowledge/skills; quickly and successfully applies learning to new situations
- Highly proficient in spreadsheet, word processing and presentation applications, including strong data visualization skills
- Bachelor’s degree; advanced degree(s) and other certifications considered but not required.
Benefits
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Applicant Tracking System Keywords
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Hard Skills & Tools
credit underwritingportfolio managementrisk managementfinancial analysisloan documentationdata visualizationaccounting conceptsfinancial concepts
Soft Skills
communicationorganizational skillslearning agilitymentoringproblem-solvingstakeholder management
Certifications
Bachelor’s degreeadvanced degree