Credit Risk Analyst - Officer- Mumbai

Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism.Shape your Career with CitiICM UW is an integral part of the Institutional Credit Management (“ICM”) organization. The ICM's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to ICG Risk and Banking, Capital Markets and Advisory’s (BCMA) shared commitment to ensuring the safety and soundness of wholesale lending across ICG.ICG Risk Analysis Credit Risk Analysts 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.In this role, you’re expected to: Assess the creditworthiness of obligors by analyzing financial statements, credit reports, and historical payment behavior.Assess the credit and financial strength of Citi’s counterparts by performing fundamental credit analysis of counterparties using both quantitative and qualitative factorsComplete 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 appetiteContinuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to ICM UW Team Leads, ICG Risk and BCMA partnersPartnership with applicable regional and industry stakeholders in BCMA and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfoliosSupport ICM Voice of the Employee (VOE) initiativesTravel (less than 10%)As a successful candidate, you’d ideally have the following skills and exposure: Basic underwriting knowledge in invoice/account receivable financing and supply chain finance is preferable.Fundamental 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 issuesDemonstrates basic knowledge of financial statements and GAAP accounting or similar governance relating to country of operationDisplays basic industry research capabilities, including risk and key driversBasic understanding of Credit Policy and procedures; proactively refers to resources as neededDemonstrates ability to identify potential risk issues that need escalation and escalates them promptlyAssists colleagues in identifying stretch opportunities to elevate individual and team performanceProven culture carrierInterpersonal skills, with the ability to build relationships and exert influence with and without direct authorityOrganizational skills with ability and willingness to work under pressure and manages time and priorities effectivelyWritten and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniorityMicrosoft Office (Word, Excel, and PowerPoint) skillsQualifications:BA/BSc or higher degree in Business (MBA), or any other related subjectWorking at Citi is far more than just a job. A career with us means joining a family of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.Take the next step in your career, apply for this role at Citi todayhttps://jobs.citi.com/dei------------------------------------------------------Job Family Group: Risk Management------------------------------------------------------Job Family:Credit Risk------------------------------------------------------Time Type:Full time------------------------------------------------------Most Relevant SkillsAnalytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.------------------------------------------------------Other Relevant SkillsFor complementary skills, please see above and/or contact the recruiter.------------------------------------------------------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.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 Citi’s EEO Policy Statement and the Know Your Rights poster.