The Credit Portfolio Senior 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 :
Contribute to the development of new techniques and improvement of processes and work-flows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management
Develop recommendations to adjust credit policies by analyzing credit and financial performance and utilizing statistical scoring, segmentation, and regression and simulation techniques
Utilize Statistical Analysis System (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 in developing, testing, and optimizing credit policies, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives
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.
This senior consumer risk analyst position will lead the MIS / reporting production for both regulatory and non-regulatory requirements.
The candidate shall possess strong SAS technical knowledge and be familiar with local regulatory reports
Require for deep understanding of the loan loss forecasting and loan loss reserve methodology for both US GAAP and VAS
Create and renew process documentation with data quality assurance controls
Provide technical training & support to junior analysts
The position will act as back-up for the unit head
Qualifications :
5-8 years of relevant experience
Knowledge of commercial risk analytics
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
Education :
Bachelor's degree / University degree or equivalent experience
Citi has entered into an agreement with United Overseas Bank (UOB Vietnam) to transfer its consumer bank in Vietnam which includes Cards & Loans, retail banking and insurance distribution.
The sale is expected to complete in end of 2022. As this is a role to work in Citi’s consumer bank, the successful candidate will initially be employed by Citi, but during the course of sale completion, their employment will transfer to UOB (or) a new entity that will employ Citi’s consumer bank employees, prior to their transfer to UOB.
