Institutional Credit Management Risk Analysis (IRAUs) is an integral part of the Institutional Credit Management ("ICM") organization. The IRAU's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to the Business and Risk's shared commitment to ensuring the safety and soundness of wholesale lending.ICM Risk Analysis Credit Risk Houston Associates are responsible for a portfolio of Commodity Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for onboarding new clients as well as the continuous monitoring of the portfolio. This includes the production of Transaction Memos, Annual Reviews, Quarterly Reviews, and supporting Portfolio & Industry Reviews and Stress Testing as well as ad-hoc request.This role has responsibility for the portfolio of commodity managed clients and the role reports directly to the ICM Risk Analysis (IRAU) Credit Risk Team Lead.Key Responsibilities:Assess the credit and financial strength of Citi's commodity managed clients 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 Credit Risk Team Leads, ICM Risk and Business partnersReviewing and providing recommendation on the risk raking across this sectorPartnership with applicable industry stakeholders in the Business and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfoliosSupport ICM Risk Analysis Voice of the Employee (VOE) initiativesTravel (less than 10%)Knowledge/Experience:Demonstrable financial services experience, including 3-5 years of credit experience in Banking, Credit Risk Management or equivalent credit experienceStrong knowledge of Wholesale Credit Processes and organizational awareness including IRAU functions, covered portfolios, and processesSound understanding of policies and procedures with the ability to execute change seamlesslyWell-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risksSolid and thorough knowledge of Citi´s systemsExperience in preparing presentations for seniorsFull awareness and adherence to the control environment including Quality Assurance and Quality ControlSkills/Competencies:Assists colleagues in identifying stretch opportunities to elevate individual and team performanceCoach and mentor analysts to develop team strengths and improve weaknessesProven culture carrierWell-developed interpersonal skills, with the ability to build relationships and exert influence with and without direct authorityStrong organizational skills with ability and willingness to work under pressure and manages time and priorities effectivelyClear written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniorityGood Microsoft Office (Word, Excel, and PowerPoint) skillsQualifications:BA/BSc or higher degree in Business (MBA), or any other related subjectThis job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.------------------------------------------------------Job Family Group:Risk Management------------------------------------------------------Job Family:Credit Decisions------------------------------------------------------Time Type:Full time------------------------------------------------------Primary Location:Houston Texas United States------------------------------------------------------Primary Location Full Time Salary Range:$96,400.00 - $144,600.00In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.------------------------------------------------------Anticipated Posting Close Date:May 30, 2024------------------------------------------------------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. 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 reviewAccessibility at Citi.View the "EEO is the Law" poster. View theEEO is the Law Supplement .View theEEO Policy Statement .View thePay Transparency Posting
