Credit Officer

What We Offer

• Opportunities to grow your career locally and collaborate with colleagues across Citi's global network.
• A hybrid working model that balances in-office collaboration with remote flexibility.
• Investment in your professional development through training programmes, mentorship, and skill-building opportunities.
• Employee wellbeing support including medical coverage, mental health resources, parental leave, and family support programmes.
• Competitive retirement contributions and investment options to support your long-term financial goals.

The Credit Portfolio Senior Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally. This is an in-Business Credit Risk role covering the Asset Backed Securities and Credit Financing in EMEA.

Responsibilities:

• Approving, managing and reporting risk exposures to structured vehicles backed by various asset classes including Consumer Assets, Commercial Assets, Broadly Syndicated Loans and Middle Market Exposures. This will include complex highly structured financial transactions including securitization funding facilities and derivatives exposures with securitization SPE's
• Perform in-depth fundamental credit analysis, by monitoring asset portfolios alongside a company's financial performance, risk metrics and compliance with financial covenants (annual reviews and new credit approvals)
• Responsibilities include research, credit analysis, risk rating assessment, coordinating deal closings and active monitoring of the portfolio to identify credit migration
• Analyze transactions to provide high quality credit opinions.
  Contribute to the timely completion of portfolio reviews, and portfolio stress tests for senior risk and business management
• Conducting on-site reviews of servicers and originators
  Participate in customer calls, attend site meetings and assist with development of account strategies
• Generate reports as required to highlight portfolio metrics for internal and external regulators
• Work with CRMS, Credit Risk Operations and Global Reporting to make sure credit risk positions are accurately reported in credit systems

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 Risk

Time Type: Full time

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