【シティグループ】Officer, Credit Risk Senior Analyst
仕事内容
Responsibilities:
Provides analysis of a business' financial trends, indicators and other client data for presentation to the Underwriting Manager for further discussion and consideration.
Manages the risk associated with new and existing borrowing relationships through the following:
Performs spreads of client business financial statements
Creates Customer Accounting Systems’ through Credit Platform
Recognizes potential client risk through early warning systems
Performs periodic financial statement review
Tracks established financial covenants
Monitors compliance to borrowing base credit facility
Accompanies Underwriting Manager on customer site visits (when appropriate)
Compliance with Citibank policies to ensure satisfactory ratings from internal and external auditors.
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.
Assess the credit and financial strength of Citi’s Large Corporate Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
Complete 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 appetite
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICG Risk and BCMA partners
Partnership with applicable regional and industry stakeholders in BCMA and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
Support ICG Risk Analysis Voice of the Employee (VOE) initiatives
応募資格(必須経験など)
Qualifications:
2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.
Analyze program results vs expectations / Develop Strategies and Criteria / Gather data and prepare data for analysis
Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to identify root causes and trends and anticipate horizon issues
Skills/Competencies:
Business Proficient in Japanese and English
Assists colleagues in identifying stretch opportunities to elevate individual and team performance
Proven culture carrier
Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority
Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
Microsoft Office (Word, Excel, and PowerPoint) skills
Education:
Bachelor’s/University degree or equivalent experience