(SAS required) Consumer Risk, Data Projects, Credit Analyst, Officer
September 14, 2021
The Credit Portfolio Analyst II 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.
Report to Senior Credit Risk Manager to support Regional's data project
Oversight and manage the data project and make sure it is operating according to expectation
Manage credit loss forecasting, loan loss reserve forecasting, stress testing exercise, and model review/ renewal.
Develop, monitor and optimize utilization of various credit decision tools such as Credit Scorecards, Segmentation Models, Credit Bureau attributes, Decision Engine, and etc.
Ensure all credit processes are in compliance with company policies and requirements set out by the local as well as lead regulator through effective execution of control programs such as self-assessment, quality assurance, application audit
Escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action to be taken by staying continuously informed of related developments/news for the portfolio and industry covered and understanding the credit process, policies and Citi's risk appetite
Assist with portfolio review preparation and conducting stress tests
Build working relationships with various teams across the bank, including deal, coverage and product teams
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.
5-7 years of experience in credit risk analysis in Cards and Personal Loan products
Experience in managing regulatory reporting
Consistently demonstrate clear and concise written and verbal communication
Proficient in handling mass data and able to interpret results with critical analysis
Self-initiative, effective communication and interpersonal skills as well as the ability to motivate others, strong sense of compliance awareness
Sound knowledge in SAS programming, data mining and MS word/excel/access/power-point is a basic
Bachelor or Post-graduate degree in Business, Statistics or other related quantitative disciplines
Job Family Group: Risk Management Job Family: Credit & Portfolio 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.
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