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- Tasks: Join us as a Credit Management Apprentice, analysing credit risk and supporting the underwriting process.
- Company: Citi is a leading global bank committed to positive financial and social impact.
- Benefits: Enjoy 27 days holiday, private medical insurance, and an award-winning pension plan.
- Why this job: Gain hands-on experience in credit risk while learning from industry experts and earning qualifications.
- Qualifications: Must have lived in the UK for 3 years and achieved A-C or 4-9 in Level 2 Maths and English.
- Other info: This role offers rotations across various underwriting products for a well-rounded experience.
Institutional Credit Management (ICM) is a specialist function in Citi's first line of defence which manages the Credit Risk of Wholesale customers (Corporations, Financial Institutions, SPVs and Governments). This role is within Underwriting, responsible for conducting credit analysis to allow Citi to make decisions on the credit-worthiness of our existing and prospective clients, which includes periodic and transaction-related reviews. We work closely with product Markets and Banking partners to deliver credit analysis on securitisation and specialized products.
This role will involve exposure across several different Underwriting products within the securitisation business (which may include Asset-Backed Securities, Real Estate and Structured Credit Financing) to give the apprentice a well-rounded experience of these products and the underwriting process. The goals of the role will be to develop an understanding of credit risk processes across the bank and to develop a firm grasp of Risk and Credit Underwriting. In addition, you will participate in a rotation within our In-Business Quality Assurance Function, responsible for providing management with assurance over wholesale credit risk management practices, checking whether Wholesale Credit Risk processes are being effectively and consistently applied.
Key Responsibilities:
- Assisting with the ongoing transaction monitoring, portfolio performance and financial triggers testing
- Assisting with the review of servicer reports for accuracy, investigate unusual data trends, identify deteriorating asset performance
- Playing a supportive role in the credit approval process for annual reviews
- Assisting with process improvement projects
- As part of In-Business QA rotation - assisting with the performance of testing of Wholesale Lending, Counterparty Credit Risk and Data, and assisting in the development of Data Analytics solutions.
Development Value:
Fantastic opportunity for an apprentice to develop knowledge of the full credit risk lifecycle via the Underwriting function. Opportunity to work across ICM on a rotation basis and gain a variety of experiences. Continue to learn through on job training from experienced professionals and gain industry recognized qualifications.
What We Offer:
We work hard to have a positive financial and social impact on the communities we serve. In turn, we put our employees first and provide the best-in-class benefits they need to be well, live well and save well. We’ll provide you with the resources to meet your unique needs, empower you to make healthy decisions, and allow you to choose which benefits suit you and your personal life best.
Highlights to our core benefits include:
- Award winning pension
- On-site health services
- Private medical insurance packages to suit your personal circumstances
- Paid parental leave
- Generous holiday allowance starting at 27 Days plus bank holidays; increasing with tenure
- Learning pathway and support
Personal qualities:
- Demonstrate motivation for joining both the programme and Citi
- Demonstrate aptitude for problem-solving and analytical thinking
- Interested in technology and innovation
- Attention to detail, organizing and planning abilities
- Appetite to learn new skills and work towards a qualification
- Enthusiastic team worker who will contribute confidently in a team environment
Qualifications:
- You have been resident in UK 3 years prior to starting apprenticeship with the right to work in UK
- Minimum A-C or 4-9 in Level 2 Maths and English or equivalent
Credit Management (ICM) - Full time Credit Management Apprentice - London - 2025 employer: Citi
Contact Detail:
Citi Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Management (ICM) - Full time Credit Management Apprentice - London - 2025
✨Tip Number 1
Familiarise yourself with the fundamentals of credit risk management. Understanding key concepts such as credit analysis, underwriting processes, and the types of products involved in securitisation will give you a solid foundation to discuss during interviews.
✨Tip Number 2
Network with professionals in the finance and credit management sectors. Attend industry events or connect with current employees on platforms like LinkedIn to gain insights into the role and company culture at Citi.
✨Tip Number 3
Stay updated on current trends in the financial sector, particularly those related to credit risk and securitisation. Being knowledgeable about recent developments can help you stand out in discussions and demonstrate your genuine interest in the field.
✨Tip Number 4
Prepare for potential interview questions by practising your problem-solving and analytical thinking skills. You might be asked to analyse a case study or provide solutions to hypothetical scenarios related to credit risk.
We think you need these skills to ace Credit Management (ICM) - Full time Credit Management Apprentice - London - 2025
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities and requirements of the Credit Management Apprentice role. Familiarise yourself with credit risk processes and the specific tasks mentioned in the job description.
Tailor Your CV: Customise your CV to highlight relevant skills and experiences that align with the job. Emphasise any analytical thinking, problem-solving abilities, and teamwork experiences that demonstrate your fit for the role.
Craft a Compelling Cover Letter: Write a cover letter that showcases your motivation for joining Citi and the apprenticeship programme. Mention your interest in technology and innovation, as well as your eagerness to learn and develop within the credit risk field.
Proofread Your Application: Before submitting, carefully proofread your application materials. Check for spelling and grammatical errors, and ensure that all information is clear and concise. A polished application reflects your attention to detail.
How to prepare for a job interview at Citi
✨Understand the Role
Make sure you have a solid grasp of what the Credit Management Apprentice role entails. Familiarise yourself with credit risk processes, underwriting, and the specific products mentioned in the job description, such as Asset-Backed Securities and Structured Credit Financing.
✨Showcase Analytical Skills
Since the role involves credit analysis and problem-solving, be prepared to discuss your analytical thinking abilities. Bring examples from your studies or previous experiences where you've successfully tackled complex problems or analysed data.
✨Demonstrate Enthusiasm for Learning
Express your eagerness to learn and grow within the role. Highlight any relevant coursework or projects that showcase your interest in finance, credit risk, or technology, as well as your commitment to achieving the Level 3 Risk and Compliance Apprenticeship.
✨Prepare Questions
Have thoughtful questions ready to ask your interviewers about the team, the training process, and the types of projects you might work on. This shows your genuine interest in the position and helps you assess if it's the right fit for you.
