The Credit Portfolio Intermediate Analyst 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.
**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.
- Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing.
- Execution of the implementation process for all the initiatives in the portfolios strategies, interacting with the different areas involved (Risk Infrastructure, CRCM, Credit Ops, Business, etc.
), guaranteeing compliance with each and every one of the guidelines defined.
- Constant maintenance of our credit manual, in order to always have it updated, aligned with the current policies and in compliance with all applicable regulations.
- Timely monitoring of the delivery of all evidence of the controls established within the area, as well as being able to identify areas of opportunity in which new controls are required.
- Coordinate the activities necessary to close the CAPs and issues within the area, as well as be able to define corrective actions in case of the need to raise new issues.
- Prepare deliverables for the different reviews and audits.
- Develop risk management framework and processes.
- Acts as SME to senior stakeholders and /or other team members.
**Qualifications**:
- Experience in Risk Consumer (Unsecured & Secured Portfolios) at least 2 years and 5 in Financial Institutions
- Consistently demonstrate clear and concise written and verbal communication
- Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency
- Proven interpersonal, organizational and analytic skills
**Education**:
- Bachelor's degree/University degree or equivalent experience
- Carrers related to Actuary, Mathematics, Economy, Finance, Engineering
- Basic English Level to be able to communicate clear ideas
- General knowledge about credit cycle (Cross Sell, Credit Initiation, Program Maintenance, Collections and Frauds).
**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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