Responsibilities:

• In charge of credit risk management initiatives for designated departments/countries, acting as the primary contact through credit line implementation.
• Facilitate regular meetings with customers to address deferred collection requests and conduct internal training sessions on credit risk.
• Prepare and present periodic reports, including "Over Credit/Past Due reports for the Company," and oversee the monitoring of collateral.
• Oversee the management of commodity and FX long and short positions for the company and its affiliated companies.
• Provide supervision and guidance to team members within the business and corporate departments regarding credit lines.
• Proactively manage credit risk on a daily basis and provide strategic guidance to business divisions accordingly, aiming to minimize risk exposure and optimize profitability.
• Develop and implement necessary reporting and monitoring mechanisms to ensure comprehensive risk management, leveraging advanced analytical tools and methodologies.
• Monitor the validity of collateral, guarantees, and market trends, offering proactive solutions to mitigate risks and capitalize on opportunities for value creation.
• Identify market relationships and anomalies, leveraging insights to provide a competitive advantage to business stakeholders and drive informed decision-making.
• Conduct ad-hoc analyses as required and offer logistical support for related projects, demonstrating flexibility and responsiveness to evolving business needs.

Requirements :

• Bachelor’s Degree in any field
• Min 3 years of experience in credit risk management
• Good knowledge & Skills in Credit Risk
• Excel/Microsoft Word/Powerpoint Skills
• Good interpersonal and communication skills.
• Interest in Market risk (Forex risk & Commodity risk)

Please send your resume in MS Word format to ivytan@jobally.com.sg

EA Licence No 18C9228 Registration No. R1108261 (Tan Li Tze)

We regret to inform that only shortlisted candidates will be notified

The Senior Credit Analyst is a resource to the LEAF Commercial Capital Sales team. Ability to have complex credit discussions with Obligors, Vendors and others as needed.  The Senior Credit Analyst also acts as a back-up in the Credit Manager’s absence. 

Duties include preparing detailed credit write-ups for presentation to LEAF Credit Committee and M&T Bank Deputy Credit Officer.  These transactions include the review of complex borrower’s financial statements (many times via 10K and 10Q reports) and/or tax returns that require the use of financial spreadsheets and an ability to properly analyze financial condition/cash flow.  Additional duties include recommending risk ratings based on the utilization of the bank’s PD/LGD scorecard; and gathering information from many sources including information on vendors, the vendor’s relationship with the borrower/origination source and assessing vendor quality.  As an experienced analyst, the Senior Credit Analyst will have the ability to independently write detailed credit memos and take part in credit discussions with senior management.   

PRIMARY RESPONSIBILITIES

•    Advanced business credit skills with exceptional working knowledge of commercial credit analysis and complex business cash flow cycles as applicable to complex large ticket transactions.   
•    Thorough understanding of the following critical analysis-related factors: complex transaction and capital structures; complex organizational structures; most forms and constructs of loan documentation; advanced accounting and applied finance; most major industry and business operating models and applicable analysis approaches; and collateral types and collateral assessment methodologies.
•    Able to quickly and accurately assess large ticket opportunities to determine if sufficient information has been provided and compile list of questions/additional information needed.
•    Specialty lending underwriting experience to include hospitals, non-profits, commercial real estate, contractors, etc.
•    Demonstrated ability to accurately prepare spreads (long-form) for complex large-ticket requests, including the debt service overview worksheet reflecting debt service coverage on existing and proposed debt. 
•    Strong understanding of Public Debt Ratings and their significance in the underwriting process. Able to proficiently navigate Moody’s, S&P, and Fitch ratings databases to obtain the relevant ratings. 
•    Ensure adherence to LEAF credit policy, M&T bank policies and government regulations

•    Facilitate customer calls as needed to discuss financing needs; and ensure a solid understanding of Obligor’s financial performance and business operations.
•    Exceptional understanding of the nuances of public companies and related concepts.
•    Ability to accurately and efficiently review 10-k’s and 10-Q’s to extract the pertinent information needed to support credit recommendations. 
•    Solid understanding of the U.S. stock markets and related economic concepts as they pertain to obligors, vendors and overall industry.
•    Work with LEAF Sales Team to structure loans/leases to meet client expectations, while also managing LEAF’s risk exposure. 
•    Demonstrates strong understanding of financial regulatory environment as it applies to underwriting most forms of commercial credit transactions.
•    Ability to assist in the management of the department in the Manager’s absence.
                                                              

EDUCATION, KNOWLEDGE AND SKILL REQUIREMENTS

•    BA/BS Degree, preferably in Finance or Accounting.
•    Formal credit training preferred.
•    7-10+ years of related experience preferred.
•    Leasing industry experience a plus.
•    Good working knowledge of other departments such as Sales, Funding and Collections, and the interaction with the Credit Department.
•    Good working knowledge of credit and underwriting principles and procedures as well as business concepts.
•    Complete knowledge and understanding of the LEAF’s credit policies and procedures.                                                                                 
•    Excellent underwriting analysis and investment decision-making skills.
•    Excellent written and verbal communication skills.
•    Ability to make presentations to credit committee.
•    Ability to communicate with sales, origination sources, obligors account firm, banks, etc
•    Strong organization and attention to detail with sense of urgency.
•    Excellent ability to work independently but also as a team.
•    Ability to correctly recognize and refer all pertinent information to persons with higher credit authority.

#LI- LP1

 

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $32.20 - $53.67 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Philadelphia, Pennsylvania, United States of America

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.

-------------------------------------------------

Job Family Group:

Risk Management

-------------------------------------------------

Job Family:

Credit Decisions

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View the "EEO is the Law" poster. View the EEO is the Law Supplement.

View the EEO Policy Statement.

View the Pay Transparency Posting

ICG Risk Analysis Credit Risk Associates are responsible for a portfolio of ICG Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio & Industry Reviews and Stress Testing.

A Credit Risk Associate is expected to have a deep understanding of credit risk, of Citi´s internal policies and procedures, and of being knowledgeable about the industry fundamentals that portfolio belongs to. They should need minimal supervision from their respective Credit Risk Team Leads and be able to carry thoughtful conversations with ICG Risk and BCMA partners.

This role has responsibility for the portfolio of Consumer, Healthcare and Retail mexico relationships and the role reports directly to the Consumer, Healthcare and Retail Credit Risk Team Lead.

Key Responsibilities:

• Assess the credit and financial strength of Citi’s most complex Large Corporate, Public Sector, and Financial Institutions 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 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 Credit Risk Team Leads, ICG Risk and BCMA partners
• Reviewing and providing recommendation on the risk raking across this sector
• Partnership with applicable regional and industry stakeholders in BCMA and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
• Support ICG Risk Analysis Voice of the Employee (VOE) initiatives
• Travel (less than 10%)

Skills/Competencies:

• Risk & Credit Underwriting:
  • Well developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues
  • Forms independent opinions on credit and recognizes emerging risks
  • Demonstrates advanced knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
  • Sets the standard for industry research capabilities, including risk and key drivers
  • Solid understanding of Credit Policy and procedures; Proactively reviews Citi policies and procedures to benchmark against transactions and work submitted
  • Demonstrates and executes the ability to identify potential risk issues that need escalation and escalates them promptly

• Leadership:
  • Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more
  • Embraces the need for change and appreciates its benefits with natural curiosity
  • Demonstrates professionalism by being reliable, actively contributing in meetings, asking questions and challenging ideas
  • Proven culture carrier

• Competencies:
  • Highly effective interpersonal skills, with the ability to build relationships and exert influence with and without direct authority with Senior Levels of Management
  • Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
  • Exceptional written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority

• Technical:
  • Advanced Microsoft Office (Word, Excel, and PowerPoint) skills
  • Advanced experience with the internal ICG Templates and with Financial Modeling
  • Advanced english

Qualifications:

• BA/BSc  in Finance or Accounting or higher degree in Business (MBA),  or any other related subject

• Financial Services experience including 3-5 years of credit experience in Banking or Credit Risk Management

-------------------------------------------------

Job Family Group:

Risk Management

-------------------------------------------------

Job Family:

Credit Decisions

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View the "EEO is the Law" poster. View the EEO is the Law Supplement.

View the EEO Policy Statement.

View the Pay Transparency Posting

Institutional Credit Management Risk Analysis Unit (IRAUs) is an integral part of the Institutional Credit Management (“ICM”) Underwriting organization.  The IRAU’s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to ICM Risk and Banking, shared commitment to ensuring the safety and soundness of wholesale lending across ICM.

ICM Risk Analysis Credit Risk Senior Analysts are responsible for a portfolio of ICM Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. Credit Risk Senior Analysts are expected to use their industry and financial knowledge to perform credit assessments, using independent judgment and discretion on aspects relating to credit risk ratings, regulatory classification and credit recommendation to Second Line of Defense that includes the production of Annual Reviews, Quarterly Reviews, and Transactions memos.

A Credit Risk Senior Analyst is expected to have a strong understanding of credit risk, of Citi´s internal policies and procedures, and be knowledgeable about the industry fundamentals that portfolio belongs to. They might need some supervision from their Credit Risk Team Lead on more sensitive and complex credit situations and be able to communicate with ICG Risk and Banking partners, with minimal supervision of the Team Lead.

This role reports directly to the Credit Risk Team Lead.

Key Responsibilities:

• Assess the credit and financial strength of Citi’s Large Corporate, Public Sector, and Financial Institutions 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 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

• Perform Transaction memos approvals in a timely manner according to Business priority. Discretionary recommendation should be documented in the memo on the proposal.

• Using discretion and independent judgement, perform the analysis to make recommendations to Second Line of Defense on risk ratings, classifications and proposal

• Continuously monitor the covered portfolio, following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICM Risk and Banking partners

• Partner with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios

• Support ICM Risk Analysis Voice of the Employee (VOE) initiatives

• Travel (less than 10%)

Skills/Competencies:

• Risk & Credit Underwriting:

  • Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues

  • Demonstrates considerable knowledge of financial statements and GAAP accounting or similar governance relating to country of operation

  • Displays robust industry research capabilities, including risk and key drivers

  • Strong understanding of Credit Policy and procedures; proactively refers to resources as needed

  • Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly

  • Be able to articulate orally and in writing credit recommendations for decision-makers using judgement and knowledge of the credit analysis. 

• Leadership:

  • Display a deep commitment and positive attitude to Citi and colleagues

  • Be reliable and eager to undertake more functions and responsibilities

  • Embrace the need for change and appreciate its benefits with natural curiosity

  • Demonstrate professionalism by being reliable, actively contributing in meetings by asking questions and challenging ideas

• Competencies:

  • Strong interpersonal skills, with the ability to build relationships

  • Strong organizational skills with ability and willingness to work under pressure and manage time and priorities effectively

  • Solid written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of various levels of seniority

• Technical:

  • Proficient Microsoft Office (Word, Excel, and PowerPoint) skills

  • Progressive experience with the internal ICM Templates and with financial modeling

Qualifications:

• BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject

• Financial Services experience including 2-3 years of credit experience in banking or credit risk management

-------------------------------------------------

Job Family Group:

Risk Management

-------------------------------------------------

Job Family:

Credit Decisions

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

Primary Location:

Irving Texas United States

------------------------------------------------------

Primary Location Salary Range:

$76,230.00 - $106,370.00

------------------------------------------------------

Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View the "EEO is the Law" poster. View the EEO is the Law Supplement.

View the EEO Policy Statement.

View the Pay Transparency Posting

Institutional Credit Management Risk Analysis Unit (IRAUs) is an integral part of the Institutional Credit Management (“ICM”) Underwriting organization.  The IRAU’s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to ICM Risk and Banking, shared commitment to ensuring the safety and soundness of wholesale lending across ICM.

ICM Risk Analysis Credit Risk Senior Analysts are responsible for a portfolio of ICM Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. Credit Risk Senior Analysts are expected to use their industry and financial knowledge to perform credit assessments, using independent judgment and discretion on aspects relating to credit risk ratings, regulatory classification and credit recommendation to Second Line of Defense that includes the production of Annual Reviews, Quarterly Reviews, and Transactions memos.

A Credit Risk Senior Analyst is expected to have a strong understanding of credit risk, of Citi´s internal policies and procedures, and be knowledgeable about the industry fundamentals that portfolio belongs to. They might need some supervision from their Credit Risk Team Lead on more sensitive and complex credit situations and be able to communicate with ICG Risk and Banking partners, with minimal supervision of the Team Lead.

This role reports directly to the Credit Risk Team Lead.

Key Responsibilities:

• Assess the credit and financial strength of Citi’s Large Corporate, Public Sector, and Financial Institutions 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 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

• Perform Transaction memos approvals in a timely manner according to Business priority. Discretionary recommendation should be documented in the memo on the proposal.

• Using discretion and independent judgement, perform the analysis to make recommendations to Second Line of Defense on risk ratings, classifications and proposal

• Continuously monitor the covered portfolio, following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICM Risk and Banking partners

• Partner with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios

• Support ICM Risk Analysis Voice of the Employee (VOE) initiatives

• Travel (less than 10%)

Skills/Competencies:

• Risk & Credit Underwriting:

  • Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues

  • Demonstrates considerable knowledge of financial statements and GAAP accounting or similar governance relating to country of operation

  • Displays robust industry research capabilities, including risk and key drivers

  • Strong understanding of Credit Policy and procedures; proactively refers to resources as needed

  • Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly

  • Be able to articulate orally and in writing credit recommendations for decision-makers using judgement and knowledge of the credit analysis. 

• Leadership:

  • Display a deep commitment and positive attitude to Citi and colleagues

  • Be reliable and eager to undertake more functions and responsibilities

  • Embrace the need for change and appreciate its benefits with natural curiosity

  • Demonstrate professionalism by being reliable, actively contributing in meetings by asking questions and challenging ideas

• Competencies:

  • Strong interpersonal skills, with the ability to build relationships

  • Strong organizational skills with ability and willingness to work under pressure and manage time and priorities effectively

  • Solid written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of various levels of seniority

• Technical:

  • Proficient Microsoft Office (Word, Excel, and PowerPoint) skills

  • Progressive experience with the internal ICM Templates and with financial modeling

Qualifications:

• BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject

• Financial Services experience including 2-3 years of credit experience in banking or credit risk management

-------------------------------------------------

Job Family Group:

Risk Management

-------------------------------------------------

Job Family:

Credit Decisions

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

Primary Location:

Irving Texas United States

------------------------------------------------------

Primary Location Salary Range:

$76,230.00 - $106,370.00

------------------------------------------------------

Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View the "EEO is the Law" poster. View the EEO is the Law Supplement.

View the EEO Policy Statement.

View the Pay Transparency Posting

Institutional Credit Management Risk Analysis (IRAUs) is an integral part of the Institutional Credit Management (“ICM”) Underwriting organization.  The IRAU’s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to ICM Risk and Banking, shared commitment to ensuring the safety and soundness of wholesale lending across ICM.

ICM Risk Analysis Credit Risk Senior Analysts are responsible for a portfolio of ICM Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. Credit Risk Senior Analysts are expected to use their industry and financial knowledge to perform credit assessments, using independant judgment and discretion on aspects relatring to credit risk ratings, regulatory classification and credit recommendation to Second Line of Defense.That includes the production of Annual Reviews, Quarterly Reviews, and Transactions memos.

A Credit Risk Senior Analyst is expected to have a strong understanding of credit risk, of Citi´s internal policies and procedures, and be knowledgeable about the industry fundamentals that portfolio belongs to. They might need some supervision from their Credit Risk Team Lead on more sensitive and complex credit situations and be able to communicate with ICM Risk and Banking partners, with minimal supervision of the Team Lead.

This role reports directly to the Credit Risk Team Lead.

Key Responsibilities:

• Assess the credit and financial strength of Citi’s Large Corporate, Public Sector, and Financial Institutions 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 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

• Perform Transaction memos approvals in a timely manner according to Business priority. Discretionary recommendation should be documented in the memo on the proposal.

• Using discretion and independent judgement, perform the analysis to make recommendations to Second Line of Defense on risk ratings, classifications and proposal

• Continuously monitor the covered portfolio, following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICM Risk and Banking partners

• Partner with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios

• Support ICM Risk Analysis Voice of the Employee (VOE) initiatives

• Travel (less than 10%)

Skills/Competencies:

• Risk & Credit Underwriting:

  • Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues

  • Demonstrates considerable knowledge of financial statements and GAAP accounting or similar governance relating to country of operation

  • Displays robust industry research capabilities, including risk and key drivers

  • Strong understanding of Credit Policy and procedures; proactively refers to resources as needed

  • Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly

  • Be able to articulate orally and in writing credit recommendations for decision-makers using judgement and knowledge of the credit analysis. 

• Leadership:

  • Display a deep commitment and positive attitude to Citi and colleagues

  • Be reliable and eager to undertake more functions and responsibilities

  • Embrace the need for change and appreciate its benefits with natural curiosity

  • Demonstrate professionalism by being reliable, actively contributing in meetings by asking questions and challenging ideas

• Competencies:

  • Strong interpersonal skills, with the ability to build relationships

  • Strong organizational skills with ability and willingness to work under pressure and manage time and priorities effectively

  • Solid written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of various levels of seniority

• Technical:

  • Proficient Microsoft Office (Word, Excel, and PowerPoint) skills

  • Progressive experience with the internal ICG Templates and with financial modeling

Qualifications:

• BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject

• Financial Services experience including 2-3 years of credit experience in banking or credit risk management

-------------------------------------------------

Job Family Group:

Risk Management

-------------------------------------------------

Job Family:

Credit Decisions

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

Primary Location:

Irving Texas United States

------------------------------------------------------

Primary Location Salary Range:

$76,230.00 - $106,370.00

------------------------------------------------------

Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View the "EEO is the Law" poster. View the EEO is the Law Supplement.

View the EEO Policy Statement.

View the Pay Transparency Posting

Institutional Credit Management Risk Analysis Unit (IRAUs) is an integral part of the Institutional Credit Management (“ICM”) Underwriting organization.  The IRAU’s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to ICM Risk and Banking, shared commitment to ensuring the safety and soundness of wholesale lending across ICM.

ICM Risk Analysis Credit Risk Senior Analysts are responsible for a portfolio of ICM Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. Credit Risk Senior Analysts are expected to use their industry and financial knowledge to perform credit assessments, using independent judgment and discretion on aspects relating to credit risk ratings, regulatory classification and credit recommendation to Second Line of Defense that includes the production of Annual Reviews, Quarterly Reviews, and Transactions memos.

A Credit Risk Senior Analyst is expected to have a strong understanding of credit risk, of Citi´s internal policies and procedures, and be knowledgeable about the industry fundamentals that portfolio belongs to. They might need some supervision from their Credit Risk Team Lead on more sensitive and complex credit situations and be able to communicate with ICM Risk and Banking partners, with minimal supervision of the Team Lead.

This role reports directly to the Credit Risk Team Lead.

Key Responsibilities:

• Assess the credit and financial strength of Citi’s Large Corporate, Public Sector, and Financial Institutions 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 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

• Perform Transaction memos approvals in a timely manner according to Business priority. Discretionary recommendation should be documented in the memo on the proposal.

• Using discretion and independent judgement, perform the analysis to make recommendations to Second Line of Defense on risk ratings, classifications and proposal

• Continuously monitor the covered portfolio, following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICM Risk and Banking partners

• Partner with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios

• Support ICM Risk Analysis Voice of the Employee (VOE) initiatives

• Travel (less than 10%)

Skills/Competencies:

• Risk & Credit Underwriting:

  • Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues

  • Demonstrates considerable knowledge of financial statements and GAAP accounting or similar governance relating to country of operation

  • Displays robust industry research capabilities, including risk and key drivers

  • Strong understanding of Credit Policy and procedures; proactively refers to resources as needed

  • Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly

  • Be able to articulate orally and in writing credit recommendations for decision-makers using judgement and knowledge of the credit analysis. 

• Leadership:

  • Display a deep commitment and positive attitude to Citi and colleagues

  • Be reliable and eager to undertake more functions and responsibilities

  • Embrace the need for change and appreciate its benefits with natural curiosity

  • Demonstrate professionalism by being reliable, actively contributing in meetings by asking questions and challenging ideas

• Competencies:

  • Strong interpersonal skills, with the ability to build relationships

  • Strong organizational skills with ability and willingness to work under pressure and manage time and priorities effectively

  • Solid written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of various levels of seniority

• Technical:

  • Proficient Microsoft Office (Word, Excel, and PowerPoint) skills

  • Progressive experience with the internal ICM Templates and with financial modeling

Qualifications:

• BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject

• Financial Services experience including 2-3 years of credit experience in banking or credit risk management

-------------------------------------------------

Job Family Group:

Risk Management

-------------------------------------------------

Job Family:

Credit Decisions

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

Primary Location:

Irving Texas United States

------------------------------------------------------

Primary Location Salary Range:

$76,230.00 - $106,370.00

------------------------------------------------------

Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View the "EEO is the Law" poster. View the EEO is the Law Supplement.

View the EEO Policy Statement.

View the Pay Transparency Posting

Institutional Credit Management Risk Analysis Unit (IRAUs) is an integral part of the Institutional Credit Management (“ICM”) Underwriting organization.  The IRAU’s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to ICG Risk and Banking, shared commitment to ensuring the safety and soundness of wholesale lending across ICM.

ICM Risk Analysis Credit Risk Senior Analysts are responsible for a portfolio of ICM Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. Credit Risk Senior Analysts are expected to use their industry and financial knowledge to perform credit assessments, using independent judgment and discretion on aspects relating to credit risk ratings, regulatory classification and credit recommendation to Second Line of Defense that includes the production of Annual Reviews, Quarterly Reviews, and Transactions memos.

A Credit Risk Senior Analyst is expected to have a strong understanding of credit risk, of Citi´s internal policies and procedures, and be knowledgeable about the industry fundamentals that portfolio belongs to. They might need some supervision from their Credit Risk Team Lead on more sensitive and complex credit situations and be able to communicate with ICM Risk and Banking partners, with minimal supervision of the Team Lead.

This role has responsibility for the portfolio of General Corporates Relationships. It reports directly to the General Corporates Credit Risk Team Lead.

Key Responsibilities:

• Assess the credit and financial strength of Citi’s Large Corporate, Public Sector, and Financial Institutions 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 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

• Perform Transaction memos approvals in a timely manner according to Business priority. Discretionary recommendation should be documented in the memo on the proposal.

• Using discretion and independent judgement, perform the analysis to make recommendations to Second Line of Defense on risk ratings, classifications and proposal

• Continuously monitor the covered portfolio, following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICG Risk and Banking partners

• Partner with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios

• Support ICM Risk Analysis Voice of the Employee (VOE) initiatives

• Travel (less than 10%)

Skills/Competencies:

• Risk & Credit Underwriting:

  • Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues

  • Demonstrates considerable knowledge of financial statements and GAAP accounting or similar governance relating to country of operation

  • Displays robust industry research capabilities, including risk and key drivers

  • Strong understanding of Credit Policy and procedures; proactively refers to resources as needed

  • Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly

  • Be able to articulate orally and in  writing credit recommendations for decision-makers using judgement and knowledge  of the credit analysis. 

• Leadership:

  • Display a deep commitment and positive attitude to Citi and colleagues

  • Be reliable and eager to undertake more functions and responsibilities

  • Embrace the need for change and appreciate its benefits with natural curiosity

  • Demonstrate professionalism by being reliable, actively contributing in meetings by asking questions and challenging ideas

• Competencies:

  • Strong interpersonal skills, with the ability to build relationships

  • Strong organizational skills with ability and willingness to work under pressure and manage time and priorities effectively

  • Solid written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of various levels of seniority

• Technical:

  • Proficient Microsoft Office (Word, Excel, and PowerPoint) skills

  • Progressive experience with the internal ICM Templates and with financial modeling

Qualifications:

• BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject

• Financial Services experience including 2-3 years of credit experience in banking or credit risk management

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Job Family Group:

Risk Management

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Job Family:

Credit Decisions

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Time Type:

Full time

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Primary Location:

Irving Texas United States

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Primary Location Salary Range:

$76,230.00 - $106,370.00

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Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View the "EEO is the Law" poster. View the EEO is the Law Supplement.

View the EEO Policy Statement.

View the Pay Transparency Posting

The incumbent will play a vital role executing the Accounting processes, support in the budget forecasting and planning activities, work closely within Finance team in identify, proposing & supporting the implementation of various key projects to improve the Finance systems, tools and processes.

Key responsibilities include, but not limited to:

1. Accounting closing process (monthly, quarterly & yearly) :

• Support the Accounting team in checking & analysing SAP data during the closing process, especially revenue & profitability;
• Analyse & explain the impact of major currency exchange movements.
• Prepare local management reporting & explain results after analysis;
• Report data into group consolidation system, ensuring accuracy of data;
• Perform Sales / COGS / Expenditure variance analysis;
• Maintain profitability calculation system and upload and process SAP data into this system;

1. Forecast, Budget (half yearly) & Medium Term Plan (annually) preparation :
2. Other projects/initiatives:

2. Forecast, Budget (half yearly) & Medium Term Plan (annually) preparation :

• Prepare communication & templates for data collection from respective sources;
• Perform Sales / COGS / Expenditure checking & variance analysis;
• Prepare management reporting & presentation material;
• Report data into group consolidation system, ensuring accuracy of data;
• Upload final budget numbers into SAP by cost center.

3. Other projects/initiatives:

• Identify, propose & support the implementation of improvements;
• Support the Group Financial, Planning & Analysis team whenever needed;
• Perform ad hoc studies as & when needed, and participate in projects.

Job Requirements:

• Degree holder with at least 6-7 years of Commercial Accounting experience.
• Current/ previous experience working across Asia Pacific region in an automotive companies will be preferred or in consumer goods, electronics, and/or advertising industry.
• Strong Finance and Accounting Management, Financial Budgeting and project management skillset
• Knowledge of accounting software/tools (e.g. SAP Finance, Tableau) would have added advantageous.
• Must be proficient in Business English and Business Japanese in order to communicate clearly and fluently with the respective counterparts in the Global Headquarter and the Group Companies in the region. Ability to communicate in other language(s) would have added advantage.

UOB Kay Hian (UOBKH) is a regional financial services Group headquartered in Singapore. We are a widely recognised brand in every country where we have operations. We have a reputation built on our responsive and discreet service. In Singapore, we are the largest (registered trading representatives) domestic broker. In addition to our broking agency services in equities, bonds, CFDs, DLCs, Robo, LFX and commodities, we provide high value added services in corporate advisory and fund raising, leveraging our wide network of corporate contacts and deep distribution capabilities to execute IPOs, secondary placements and other corporate finance and investment banking activities.

Our distribution footprint spans key financial centres in Singapore, Hong Kong, Thailand, Malaysia, Indonesia, London, New York and Toronto. In addition, we maintain a research office in Shanghai and an execution presence in the Philippines. Therefore, we are at the heart of regional economic activities and are well-placed to tap into the deep market knowledge necessary to respond swiftly to our clients.

Career with Regional Credit, UOBKH

As part of our robust growth in the structured credit space, we have expansion openings for Credit Analysts, Senior Credit Analysts, (Senior) Credit Manager in the Regional Credit (RC) department.

RC, an integral part of our structured debt franchise in Asia, has the principal mandate for all wholesale structured debt products offered by UOBKH across the various business units, including prime brokerage, private wealth management, structured finance, and structured solutions well as our regional brokerage firms. All of our financing (proposals) commitments are structured, processed, and proposed through RC. This department plays a core role in delivering our strategy in the markets we choose to operate in.

The position offers an excellent rare leadership opportunity, leading small deal teams, with principal lending responsibility for some of the most complex, specialised industry verticals across the Asia Pacific, ranging from Real Estate, Utilities, Offshore & Marine, Healthcare, Infrastructure, Metals & Mining, Natural Resources, Media & Technology, e-Commerce, Financial Institutions and Acquisition Financing.

The role will sit within the Regional Credit department, reporting directly to the Head of Regional Credit. The successful candidate can expect frequent, regular interactions and presentations to senior management, including the executive directors, the CEO and Chairman at the credit committee forum.

What do we offer?

• Senior credit deal transactor, working alongside the relationship managers, structuring the financing
• Exceptional exposure to some of the most complex deals, Gaining sector lending experience in a highly accelerated fashion, to some of the most specialised sectors in the most significant regional markets
• Collegiate, diverse and inclusive team set up, with plenty of latitude for aspiring professionals to deepen their skillsets and grow an impactful career in the financing space
• Phenomenal opportunity to work and engage directly with senior management
• Reasonably balanced work life

What is the job like?

• Leading the deal from the financing/credit perspective. Expansive opportunity to showcase deal leadership to senior management with significant visibility to the CEO
• A credible debt structuring partner and consultant/advisor to coverage, private wealth management (PWM) & sales
• To lead the credit conversation on prospective opportunities in the screening committee forum
• Deal structuring, negotiation and developing bankable financing for the firm and delivering credit approvals to the client
• Primary responsibility and to lead the internal credit application process from end to end
• With guidance from the credit manager, or head of department (with support from internal legal counsels and Lenders’ counsel), to lead the termsheet negotiation and structuring discussions with the client. Ensure compliance with local and international regulations and UOBKH credit policy guidelines
• Guide and coach, the junior team members, developing them professionally
• Other ad-hoc duties/projects as assigned by the Head of Department

Who are we looking for?

• People leader, team player and solid independent professional. Highly adaptable to a cross-cultural environment and working closely with a multitude of professionals from various nationalities
• Extensive deal structuring and credit experience across a multitude of sectors and exponent in various financing structures
• Seasoned credit professional with extensive experience and track record in taking credit decisions/views. Ability to work with semi-complete information, but sufficient (enough) to form a sound, well-grounded credit view in a fast-paced, quickly moving, fluid and highly compressed schedule
• Confident in expressing and communicating a credit opinion, including a negative recommendation
• Strong stakeholder management skills, getting their buy-in on credit recommendations (including the case when it is a negative recommendation)
• Strong written and oral communication skills
• Candidates already based in Singapore preferred

General Overview

We are seeking a skilled and detail-oriented Financial Analyst to join our finance team. As an Analyst, you will be

responsible for a full spectrum of the Financial Planning & Analysis role including budgeting, forecasting, management reporting, and analysis.

Roles and Responsibilities

The candidate shall be responsible for, but not limited to, the following:

Financial Planning & Analysis

• Data-mine and analyse monthly financial results against budget/forecast, establish trends, identify and analyse cost drivers, work with the business groups to understand and provide variance commentary
• Preparation of management reports (financial analysis and business reports) for Management, Board and Shareholders, and other internal stakeholders
• Business partnering role for cost management and other finance related matters
• Engage and influence cross-functional stakeholders

Budgeting & Forecasting

• Develop budgets and forecasts.
• Hands-on interfacing with Business Groups to establish assumptions and justifications.
• Analyse and review reasonableness of budget and forecasts submissions, consolidation and preparation of reports and presentations for review and approval

Others

• The candidate shall also participate in special projects and oversee other responsibilities as directed by the reporting manager from time to time

Work Experience

• At least 5 years of working experience with minimum 3 years in financial analyst / management reporting in a large organisation
• Experience in high-end ERP system is required (SAP S4 Hana preferred)
• Candidates from oil and gas industry or other complex utility infrastructure will be considered favourably

Education Requirements

• Degree in Accountancy / ACCA / CPA or equivalent.

Performance Criteria

• Analytical, quick-thinking, resourceful, and independent.
• Process oriented, with strong data-mining skills and a sharp eye for details. Able to deep dive into the data and be inquisitive and ask questions to fully understand the information.
• Advanced working knowledge of MS Office applications, particularly MS Excel and Powerpoint.
• Manages relationships with Business Owners at the working level well with clear and strong communication abilities.

PRIMARY RESPONSIBILITIES

• Advanced business credit skills with exceptional working knowledge of commercial credit analysis and complex business cash flow cycles as applicable to complex large ticket transactions.   
• Thorough understanding of the following critical analysis-related factors: complex transaction and capital structures; complex organizational structures; most forms and constructs of loan documentation; advanced accounting and applied finance; most major industry and business operating models and applicable analysis approaches; and collateral types and collateral assessment methodologies.
• Able to quickly and accurately assess large ticket opportunities to determine if sufficient information has been provided and compile list of questions/additional information needed.
• Specialty lending underwriting experience to include hospitals, non-profits, commercial real estate, contractors, etc.
• Demonstrated ability to accurately prepare spreads (long-form) for complex large-ticket requests, including the debt service overview worksheet reflecting debt service coverage on existing and proposed debt.

• Strong understanding of Public Debt Ratings and their significance in the underwriting process. Able to proficiently navigate Moody’s, S&P, and Fitch ratings databases to obtain the relevant ratings.
• Ensure adherence to LEAF credit policy, M&T bank policies and government regulations

• Facilitate customer calls as needed to discuss financing needs; and ensure a solid understanding of Obligor’s financial performance and business operations.
• Exceptional understanding of the nuances of public companies and related concepts.
• Ability to accurately and efficiently review 10-k’s and 10-Q’s to extract the pertinent information needed to support credit recommendations.
• Solid understanding of the U.S. stock markets and related economic concepts as they pertain to obligors, vendors and overall industry.
• Work with LEAF Sales Team to structure loans/leases to meet client expectations, while also managing LEAF’s risk exposure.
• Demonstrates strong understanding of financial regulatory environment as it applies to underwriting most forms of commercial credit transactions.
• Ability to assist in the management of the department in the Manager’s absence.

EDUCATION, KNOWLEDGE AND SKILL REQUIREMENTS

• BA/BS Degree, preferably in Finance or Accounting.
• Formal credit training preferred.
• 7-10+ years of related experience preferred.
• Leasing industry experience a plus.
• Good working knowledge of other departments such as Sales, Funding and Collections, and the interaction with the Credit Department.
• Good working knowledge of credit and underwriting principles and procedures as well as business concepts.
• Complete knowledge and understanding of the LEAF’s credit policies and procedures.                                                                                
• Excellent underwriting analysis and investment decision-making skills.
• Excellent written and verbal communication skills.
• Ability to make presentations to credit committee.
• Ability to communicate with sales, origination sources, obligors account firm, banks, etc
• Strong organization and attention to detail with sense of urgency.
• Excellent ability to work independently but also as a team.
• Ability to correctly recognize and refer all pertinent information to persons with higher credit authority.

#LI-LP1

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $38.07 - $63.45 Hourly (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Philadelphia, Pennsylvania, United States of America

Finance Operations Senior Analyst

At Outpayce, our goal is to deliver smooth, end-to-end travel payments experiences by helping our customers and travelers to benefit from new advances in payments, more quickly across the entire journey.

As a wholly-owned Amadeus company, we combine Amadeus’ reliability, knowledge and technological innovation with Outpayce’s hunger to disrupt the ways of processing payments and delivering greater choice, faster innovation and an improved experience for airlines, hotels, travel sellers and corporations worldwide.

Our current portfolio includes a global payments gateway and virtual card-based pay-out solutions. To enhance our offer and better serve our customers, we’re evolving the proposition for our business with fresh investment in specialist talent and new partnerships, an open API platform and an aim to deliver new regulated payment services.

Join our global team of experts as we build the future of travel payments.

As the Finance Operations Analyst, you will support the Head of Finance Operations in order to ensure the correct flow of funds and data for Outpayce’s regulated payment services. You will ensure that the Function operates in accordance with our regulatory obligations and will assist in generating reports to evidence this to the Regulator.  You will analyse, process and monitor transaction disputes and assist Customer Care colleagues with transactional queries.

The immediate focus is on the establishment and documentation of the Finance Operations procedures and processes.

In this role you’ll:

• Protect Customer Funds and reconcile client accounts;
• Ensure that settlement obligations to the Scheme are met;
• Process and monitor disputes with both Mastercard and Visa and investigate and resolve rejected transactions;
• Become subject matter experts in card payments in order to assist with queries;
• Ensure the continued operation in times of crisis, when suppliers are unavailable for example.

About the ideal candidate

• You’ll have prior experience in the Payments and/or Finance Industries and working in a regulated environment.
• You’ll have excellent knowledge and experience of reconciliations and chargebacks.
• You’ll be able to analyse data in order to explain complex issues simply and to influence stakeholders
• You are calm under pressure, adhere to strict deadlines and work collaboratively with other teams.

Why join us?

• An opportunity to play a key role in challenging the industry’s legacy ways of processing travel payments.
• Work with and learn from highly regarded experts in the travel payments space.
• Work in a company that has been voted as a Top UK & European Employer for four consecutive years and recognized as a Financial Times Leader in Diversity.
• Access to a comprehensive suite of learning and development tools.
• A role that tangibly impacts millions of travellers around the globe.
• An opportunity to work with a multicultural, fun, and supportive global team.

Diversity & Inclusion

We are an Equal Opportunity Employer and seek to hire the best candidate regardless of age, beliefs, disability, ethnicity, gender or sexual orientation.

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.

• Fluent in both English and Spanish
• Experience in Credit Analysis, Corporate Finance, Underwriting, or Risk Assessment

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Job Family Group:

Risk Management

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Job Family:

Credit Decisions

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Time Type:

Full time

------------------------------------------------------

Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View the "EEO is the Law" poster. View the EEO is the Law Supplement.

View the EEO Policy Statement.

View the Pay Transparency Posting