Credit Portfolio Senior Analyst - C12
Citi
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Citi Wealth is an integration of Citi Private Bank and the Consumer Wealth organization into a single business enabling Citi to serve its clients across the wealth spectrum and capitalize on Citi’s industry leading capabilities to support the goal of Wealth, which is to be the leading wealth management provider globally. As we embark on this journey, it is imperative to have a strong Risk & Control framework, supporting this goal through an independent but integral Internal Control organization.
Citibank serves as a trusted advisor to our retail, mortgage, small business and wealth management clients at every stage of their financial journey. Through Citi's Access Account, Basic Banking, Citi Priority, Citigold and Citigold Private Client, we offer an array of products, services and digital capabilities to clients across the full spectrum of consumer banking needs worldwide. We’re currently looking for a high caliber professional to join our team as Credit Portfolio Senior Analyst based in Singapore. Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future.
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.
Responsibilities:
- Contribute to the development of new techniques and improvement of processes and work-flows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management
- Develop recommendations to adjust credit policies by analyzing credit and financial performance and utilizing statistical scoring, segmentation, and regression and simulation techniques
- Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing
- Research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as required
- Participate in developing, testing, and optimizing credit policies, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives
- Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management
- 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.
Qualifications:
- 5-8 years of relevant experience
- Knowledge of commercial risk analytics
- Ability to apply credit and risk principles toward business goals
- Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency
- Proven ability to remain organized in a fast-paced environment, managing multiple projects
- Proven interpersonal, organizational and analytic skills
Education:
- Bachelor's degree/University degree or equivalent experience
Credit Portfolio Senior Analyst – Investment Lending
This role is within the Singapore Consumer Risk Management Team and supports the Investment secured Portfolio for Asia South Wealth Business (across Onshore & IPB). Singapore CGCPC Investment lending portfolio is the largest internationally and covers both GML (Margin/Investment Lending) and Insurance Premium Finance (IPF) products. The position will be responsible for review of collaterals for acceptance & monitoring the portfolio credit quality. The role also requires involvement in portfolio MIS reporting & analytics to ensure compliance to risk management policies for the Investment secured portfolio. This involves interaction with Credit Operations, Operations and Technology functions, product teams and front office.
The position reports to Investment Lending Risk Head in Citibank Singapore Ltd - Asia South (Wealth) Risk Management team.
Responsibilities:
- This role will serve as the key point of contact for all LV related queries across lending products and system handling of limits, concentration, and caps. The candidate needs to possess a keen interest in investments and have a strong understanding of various asset class i.e. Equities, Fixed Income, Structured Notes, Mutual Funds, derivatives etc. He/She must be able to value-add by providing strategic inputs on market dynamics, macroeconomics trend and knowledge of Competitors’ stance.
- Portfolio Management: Proactively monitors the Investment Portfolio for Asia South Wealth Business (covering margin lending and Insurance Premium Financing), identifying emerging risks, concentration exposures, and opportunities for early intervention. The role involves developing and implementing risk management frameworks, evaluating the health quality of our credit portfolio and ensuring adherence to regulatory requirements and internal credit policies.
- Prepare and enhance Portfolio analytics for risk differentiated reviews and ensuring continual compliance with Citi Credit Policy/Regulations/Product Programs such as reviewing portfolio collateral concentration, liquidity, and limit excess.
- Have a keen eye for details. Able to bring about portfolio optimization with good understanding of the mechanics of Margin Lending and regulations and able to assimilate and apply Citi Credit Policy/Regulations/Product Programs into daily processes and discussions with stakeholders.
- Work with Investment Lending Risk Head to evaluate, analyze and recommend policy decisions related to credit and collateral acceptance of marketable securities.
- Business Engagement: Collaborate with Credit Operations, Operations and Technology functions, product teams and front office to structure credit solutions that meet client needs while maintaining an independent Risk stance with strong risk oversight.
- Risk Framework Enhancement: Contribute to the refinement of in-country credit policies, risk appetite statements and ensuring alignment with global guidance and regulatory standards (e.g., Basel III/IV, IFRS 9).
- Continuously identify process improvements and efficiencies to support business unit goals through process automation, dissecting issues and making sound recommendations within our Risk framework.
- Provide support to the risk managers on strategic initiatives and related enhancements.
- Appropriately assess risk when business decisions are made, demonstrating 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.
- Support risk-reward balanced and profitable asset growth, in line with Asia South Wealth Strategic Priorities, and optimize productivity/competitiveness by continuously working with stakeholders to roll out new Product OR improve our existing offering for leverage.
- Mentor and guide junior credit analysts and other team members, fostering a culture of excellence and continuous learning.
Qualifications
- 5-8 years of relevant experience
- Bachelor's degree/University degree or equivalent experience
- Excellent working knowledge of financial markets including investments, FX, and margin lending experience is a key differentiator
- Able to rationalize logically and consistently demonstrate clear and concise written and verbal communication
- Strong team player - You should be able to work effectively individually as well as effectively network with coworker from cross functional and multitask in a fast-paced environment
- Good attitude, willingness to learn and possessing high integrity
- Ability to work under pressure, prioritize to meet deadlines.
- Highly proficient in MS Office - (Excel, Access, PowerPoint)
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Job Family Group:
Risk Management------------------------------------------------------
Job Family:
Portfolio Credit Risk Management------------------------------------------------------
Time Type:
Full time------------------------------------------------------
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