Credit Portfolio Intermediate Analyst

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 Citi

Citi Global Wealth (CGW) brings together the full power of Citi to serve the entire continuum of wealth clients, from affluent to ultra-high net worth to family offices. The strategies we create help our clients maintain liquidity while maximizing yields, transact in foreign currency and across borders, and manage fluctuating expenses or cash flow. We are uniquely suited to helping our clients meet their banking needs across regions through our global network.

Citibank serves as a trusted advisor to our retail, mortgage, small business and wealth management clients at every stage of their financial journey. We’re currently looking for a high caliber professional to join our team as Credit Portfolio Intermediate Analyst based in Singapore. Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decisions and manage your financial well-being to help plan for your future.

This role is within the Singapore Consumer Risk Management Team and supports the Investment secured Portfolio for Asia South Wealth Business (across Onshore & IPB). The position will be responsible for review of collaterals for acceptance & monitoring the portfolio credit quality. The role also requires involvement in portfolio MIS reporting & analytics to ensure compliance to risk management policies for Investment secured portfolio. This involves interaction with Credit Operations, Operations and Technology functions, product teams and front office. The position reports to the Investment Risk Manager.

Responsibilities:

• Resolve issues and recommend solutions to moderate problems.
• Integrate specialty area knowledge with an understanding of industry standards and practices and how teams collaborate to accomplish goals of the sub-function/job family.
• Serve as an industry expert and advisor.
• Analyze and approve counter-party credit limits for trading, transactional and financing businesses with funds.
• Develop risk management framework and processes for funds.
• Advise businesses and clients on transaction structures and negotiate credit terms.
• Operate with a limited level of direct supervision.
• Exercise independence of judgement and autonomy.
• Act as SME to senior stakeholders and/or other team members.
• Assess risk when business decisions are made, demonstrating 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 of relevant experience.
• Experience in financial analysis, accounting and valuation.
• Consistently demonstrate clear and concise written and verbal communication.
• Finance/Math/Stat degree holder with at least 4-6 years of work experience preferably with Risk, Margin Lending Products, Credit Operations.
• Knowledge of investment products, trading products, wealth management, systems and key processes is an advantage.
• Self-driven individual, with attention to details and passion for Credit Risk management.
• Good analytical skills and understanding in programming knowledge and tools (Excel, Access etc). Knowledge & experience in SAS is desirable.
• Good communication skills (verbal and written) and able to interact well with business partners.
• Strong team player - Able to effectively network with coworkers from cross functional teams and multitask in a fast-paced environment.
• Good attitude, willingness to learn and possessing high integrity.
• Monitor portfolio to identify credit migration/mitigation actions across Margin Lending and Insurance Premium Finance products.
• Work with Credit Risk Manager to evaluate, analyze and recommend policy decisions related to credit and collateral acceptance of marketable securities.
• Prepare and enhance Portfolio analytics for risk differentiated reviews and ensuring continual compliance with Citi Credit Policy/Regulations/Product Programs.
• Continuously identify process improvements and efficiencies to support business unit goals through dissecting issues and making recommendations.
• Provide support to the risk managers on strategic initiatives and related enhancements.

Education:

• Bachelor's degree/University degree or equivalent experience.

Job Family Group: Risk Management

Job Family: Portfolio Credit Risk Management

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.