At a Glance
- Tasks: Conduct credit reviews and manage Citi's portfolio exposure globally.
- Company: Join a leading global financial services company with a commitment to diversity.
- Benefits: Hybrid work model, professional development, and comprehensive wellbeing support.
- Other info: Collaborate with a dynamic team and access global networking opportunities.
- Why this job: Make an impact in risk management while growing your career in finance.
- Qualifications: Experience in credit risk analysis and strong analytical skills required.
The predicted salary is between 54000 - 66000 £ per year.
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. This is an in-Business Credit Risk role covering the Asset Backed Securities and Credit Financing in EMEA.
Responsibilities:
- Approving, managing and reporting risk exposures to structured vehicles backed by various asset classes including Consumer Assets, Commercial Assets, Broadly Syndicated Loans and Middle Market Exposures.
- This will include complex highly structured financial transactions including securitization funding facilities and derivatives exposures with securitization SPE’s.
- Perform in-depth fundamental credit analysis, by monitoring asset portfolios alongside a company’s financial performance, risk metrics and compliance with financial covenants (annual reviews and new credit approvals).
- Responsibilities include research, credit analysis, risk rating assessment, coordinating deal closings and active monitoring of the portfolio to identify credit migration.
- Analyze transactions to provide high quality credit opinions.
- Contribute to the timely completion of portfolio reviews, and portfolio stress tests for senior risk and business management.
- Conducting on-site reviews of servicers and originators.
- Participate in customer calls, attend site meetings and assist with development of account strategies.
- Generate reports as required to highlight portfolio metrics for internal and external regulators.
- Work with CRMS, Credit Risk Operations and Global Reporting to make sure credit risk positions are accurately reported in credit systems.
Qualifications:
- Experience in credit risk analysis or corporate banking.
- Knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution.
- Strong analytical and quantitative skills with ability to perform, review or critique credit analysis on complex transactions.
- Strong writing, presentation and interpersonal skills.
- Proven ability to work with little direction and in a team.
- Excellent attention to detail.
- Willingness to learn new products and programs.
- Demonstrated accountability, self-motivation and business acumen.
Education:
- Bachelor's degree/University degree or equivalent experience.
What We Offer:
- Opportunities to grow your career locally and collaborate with colleagues across Citi's global network.
- A hybrid working model that balances in-office collaboration with remote flexibility.
- Investment in your professional development through training programmes, mentorship, and skill-building opportunities.
- Employee wellbeing support including medical coverage, mental health resources, parental leave, and family support programmes.
- Competitive retirement contributions and investment options to support your long-term financial goals.
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
Job Family Group: Risk Management
Job Family: Credit Risk
Time Type: Full time
Most Relevant Skills: Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.
Credit Officer in London employer: Citi
Citi is an exceptional employer, offering a dynamic work environment that fosters innovation and collaboration within the Equities Technology team. Employees benefit from cutting-edge technology, opportunities for professional growth, and a culture that values diversity and inclusion. With a focus on high-performance analytics and real-time data solutions, Citi empowers its engineers to make impactful contributions while enjoying a supportive atmosphere in a globally recognized financial institution.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Officer in London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Citi. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Officer in London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Citi.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Citi's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Citi
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Citi.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Citi will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Citi employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
