Credit Risk Analyst - Commercial Banking - Assistant Vice President

Citi • Jacksonville, FL

2d

About The Position

Provides critical support with driving internal analytical work product that serves to underpin credit approval decisions and maintains ongoing credit oversight of the lending portfolio relationships through quarterly and/or annual reviews along with covenant and other reporting monitoring, as applicable. Facilitate the end-to-end lending process within the NAM CCB for the assigned relationships and portfolio Rapidly develop knowledge of assigned portfolio and related industries, and create well-supported analysis that effectively balances risk and business objectives Ensure appropriate regulatory classification and minimizing net credit losses for covered portfolio, as well as identify emerging areas of concerns that should be escalated Produce the underlying analysis and workflow supporting underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, including the related diligence Timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio Facilitate the loan documentation process for both new transactions and amendments or modifications; including coordination with internal partners and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents Attend periodic meetings regarding covered portfolio clients and select new to bank opportunities in partnership with the Relationship Management teams Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients Mentor and develop more junior staff and other support to become effective resources and future contributors Recommend and champion changes to improve existing processes to achieve greater efficiency and controls Work proactively, and in a constructive and diplomatic manner, with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls

Requirements

• 3-5 years relevant experience in credit underwriting, portfolio and/ or risk management with a multinational financial services organization
• Demonstrated knowledge of basic accounting and financial concepts and their practical application in the credit underwriting process
• Excellent communication (written, verbal, presentation and listening) and organizational skills; ability to complete multiple priorities in a timely manner
• Demonstrates learning agility: seeks out resources and experience to continually build knowledge/skills; quickly and successfully applies learning to new situations
• Highly proficient in spreadsheet, word processing and presentation applications, including strong data visualization skills
• Bachelor's/University degree or equivalent experience
• Analytical Thinking
• Constructive Debate
• Escalation Management
• Financial Analysis
• Policy and Procedure
• Policy and Regulation
• Product Knowledge
• Risk Controls and Monitors
• Risk Identification and Assessment

Responsibilities

• Driving internal analytical work product that serves to underpin credit approval decisions
• Maintaining ongoing credit oversight of the lending portfolio relationships through quarterly and/or annual reviews along with covenant and other reporting monitoring
• Facilitating the end-to-end lending process within the NAM CCB for the assigned relationships and portfolio
• Developing knowledge of assigned portfolio and related industries, and create well-supported analysis that effectively balances risk and business objectives
• Ensuring appropriate regulatory classification and minimizing net credit losses for covered portfolio, as well as identify emerging areas of concerns that should be escalated
• Producing the underlying analysis and workflow supporting underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, including the related diligence
• Timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio
• Facilitating the loan documentation process for both new transactions and amendments or modifications; including coordination with internal partners and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents
• Attending periodic meetings regarding covered portfolio clients and select new to bank opportunities in partnership with the Relationship Management teams
• Developing and maintaining an extensive knowledge in the various credit products and services offered to CCB clients
• Mentoring and developing more junior staff and other support to become effective resources and future contributors
• Recommending and championing changes to improve existing processes to achieve greater efficiency and controls
• Working proactively, and in a constructive and diplomatic manner, with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 5,001-10,000 employees