Job Description
- Maintain and manage a portfolio of credit exposures (including IG and NIG loans, derivatives, cash management products) to Citi’s North American clients operating in multiple industries.
- Transactions include acquisition financing, leveraged financing, recapitalizations, and securitizations
- Work with Capital Markets counterparts on credit approval and execution of transactions identifying key risks and structuring transactions to mitigate credit concerns
- Manage deal approval process including preparation of credit approval memos and transaction execution with product partners
- Review, approve, and manage credit analysis on a quarterly and annual basis
- Co-manage troubled assets with workout colleagues including valuation analysis, amendment approvals and monthly credit reviews
- Assist with special projects including stress testing, portfolio reviews, internal audits Risk Rating processes, Credit Policies and other programs reviews across product groups
- Interface with internal product / regional counterparts on new and existing deals
- Negotiate key credit terms in legal documentation for loans and derivatives.
- Meet with clients and sponsors and work with bank syndicates (as Agent) and consultants
- Work with risk colleagues on risk mitigation at both inception of transaction and on an ongoing basis
Qualifications
- Previous work experience in risk management with a large banking institution
- Strong understanding of corporate finance and bank and capital markets products and services;
- Solid understanding of policies and procedures impacting the Credit Risk Management framework
- Sound risk and business judgment on the full spectrum of risk issues
- Independent problem solving skills
- Strong written and verbal communication skills with the ability to present analysis and recommendations in a succinct manner
- Proven strong analytical and credit analysis skills with good attention to detail, ability to provide big picture decision making and to mentor junior staff
- Demonstrated aptitude for tackling analytical questions through quantitative modeling
- Ability to meet deadlines created due to business needs
- Ability to conduct onsite due diligence visits with relationship managers
- Bachelorâs degree in Business Administration, Finance, or Economics preferred
- 5 â 7 years credit risk or relevant experience, preferably gained at either Citigroup or at a major institution
- An MBA, CPA, or CFA preferred and formal Credit Training is a plus
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Grade :All Job Level – All Job FunctionsAll Job Level – All Job Functions – US
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