Credit Risk Portfolio Sr Analyst

The Credit Risk Portfolio Sr Analyst role oversees portfolio risk management activities to minimize credit losses and potential damage to the Citigroup franchise or reputation. The role includes developing business strategies, calculating CECL reserves, conducting stress tests, loss forecasts, and managing risk appetite for the First Line of Defense (1LOD). For the Second Line of Defense (2LOD), the role involves providing effective oversight and periodic review and challenge of 1LOD portfolio management processes and outcomes. Individuals in this role ensure credit risk is managed effectively across all portfolios, protecting the company's financial stability and reputation while supporting the overall business strategy.

Responsibilities:

• Review credit portfolio limits and conduct stress testing, ensuring all operations are within defined limits.
• Perform regular portfolio analysis and updates, monitoring performance and making necessary adjustments.
• Interpret limits governance and manage single name and distribution risk activities, ensuring effective risk management.
• Maintain portfolio health through regular reviews, ensuring the portfolio's performance meets the strategic goals.
• Critically review credit loss forecasts and allowance calculations, ensuring accuracy and appropriateness.
• Provide input for credit reviews and approvals alongside the Senior Risk Management team, monitoring portfolio health, and identifying credit migration trends early.
• Enhance procedures and workflows by leveraging industry expertise, creating more efficient processes within Risk Management.
• Utilize statistical scoring, segmentation, regression, and simulation techniques for credit and financial performance analysis, providing actionable insights.
• Leverage the Statistical Analysis System (SAS) in a UNIX environment for risk, financial, and data analysis, ensuring accurate profiling, sampling, reconciliation, and quality testing of data.
• Escalate, manage, and report control issues transparently, adhering strictly to the company's policy and ensuring compliance with applicable laws, rules, and regulations.
• Monitor and enhance compliance processes for credit portfolio limits, ensuring all operations are within acceptable risk appetite levels.
• Improve first line of defense processes for portfolio management, enhancing efficiency and accuracy of operations.

• Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.
• Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures.
• Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.
• Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization.
• Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda
• Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities.
• Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.
• Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness.
• Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements.
• Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals.
• Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult
• Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals.
• Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi’s clients and the community.
• Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development.
• Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities.
• Empathetically listens and understands others’ positions before acting on issues; works to amplify voices that are minimized in the workplace

• 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, as well as effectively supervise the activity of teams and create accountability with those who fail to maintain these standards

Recommended Qualifications:

• 5-8 years of experience
• Good knowledge in credit risk management, credit review and approval, and portfolio management to oversee, review, and challenge the first line of defense.
• Data analysis as a key skill for effective risk mitigation and assessment.
• Familiarity with regulatory compliance and credit policies in the financial industry.
• Experience in developing, testing, and optimizing credit, policies as well as implementing risk management processes and initiatives.
• Ability to manage risk across various products and portfolios.
• Exceptional ethical judgment and a strong understanding of laws, rules, and regulations in the financial industry.
• Proven experience in project management and process improvement within a risk management context.
• Comprehensive understanding of various risk factors including stress testing, collateral risk and volatility, concentration risks, liquidity, and wrong way risk, with demonstrated experience in reviewing these factors and challenging any discrepancies.
• Analyze complex data sets, identifying patterns, and using this knowledge to oversee, review, and challenge the first line of defense.
• Strong oral and written communication skills for effectively articulating thoughts, ideas, and policies to various stakeholders, crucial in challenging existing policies and processes.
• High level of organization for planning, coordinating, and executing projects from start to completion within set timeframes, integral to overseeing the first line of defense.
• Excellent interpersonal skills to foster productive relationships and collaborate towards common goals, important in engaging with various teams to review and challenge risk management processes.
• Familiarity with risk management software and other industry-specific tools for efficient data management and analysis.
• Skilled in analyzing extensive data, extracting insights, and combining these with professional judgment to make informed decisions, crucial in challenging the first line of defense.
• Capability to adapt to unexpected situations or changes in regulatory policies, demonstrating resilience and a commitment to continuous learning and development.

Education:

Bachelor's/University degree or equivalent experience

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## Job Family Group:

Risk Management

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## Job Family:

Portfolio Credit Risk Management

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## Time Type:

Full time

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## Most Relevant Skills

Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.

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## Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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