Credit Analyst III analyzing borrower’s industry information and financial condition for NBT Bank. Completing due diligence and preparing comprehensive financial analysis documents with limited oversite.
About the role
- Credit Portfolio Senior Analyst at Citi overseeing credit reviews and risk management for client portfolios. Focused on refining processes and enhancing risk analysis techniques.
Responsibilities
- Conduct credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team
- Contribute to the development of new techniques and improvement of processes and workflows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management
- Utilize SAS in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing
- Research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as required
- Participate and collaborate in developing, testing, optimizing credit reporting, ensuring consistency and regulatory compliance
- Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management
- 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.
Requirements
- 8+ years of relevant experience
- Knowledge of consumer/commercial cards risk analytics
- Experience in using analytical, data mining and visualization tools like SAS, SQL, Python, Tableau and MS Office packages including advanced Excel
- Ability to apply credit and risk principles toward business goals
- Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency
- Proven ability to remain organized in a fast-paced environment, managing multiple projects
- Proven interpersonal, organizational and analytic skills
- Vision and ability to provide innovative solutions to core business practices
- Ability to develop partnerships across multiple business and functional areas
- Bachelor's degree/University degree or equivalent experience
Benefits
- Citi is an equal opportunity employer
- Qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
- Reasonable accommodation for persons with disabilities
Job title
Job type
Experience level
Salary
Not specified
Degree requirement
Tech skills
Location requirements
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