At Citi, we get to connect millions of people across hundreds of cities and countries every day. And we've been doing it for more than 200 years. We do this through our unparalleled global network. We provide a broad range of financial services and products to our clients – whether they be consumers, corporations, governments or institutions – to help them meet their biggest opportunities and face the world's toughest challenges. **Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country** **We empower our employees to manage their financial well-being and help them plan for the future** 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. The Credit Portfolio Analyst II is an intermediate-level position responsible for monitoring the portfolio to identify credit migration in coordination with the Risk Management team, reporting under Retail Unsecured Team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally. **Job Responsibilities:** + Conduct risk assessments and client credit analyses with supervision. + Perform portfolio analysis and monitoring tools using data driven tools. + Escalate credit concerns and updates to senior risk and business managers. + Support the proposal of risk mitigation actions by staying informed of related developments in the portfolio and industry, and by understanding the credit process, policies, and Citi's risk appetite. + Assist with portfolio review preparation and the conduct of stress tests. + Build working relationships with various teams across the bank, including product, operations, and other stakeholders. + Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets. + Support compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency. + Provide input into the risk analysis of tools used to monitor Credit Risk Exposure + Assist in monitoring credit portfolio limits to ensure compliance with risk appetite limits. + 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. + 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. **Qualifications:** + 0-2 years of experience in credit risk analysis or corporate banking + Working knowledge of various data management tools, eg. SAS, Python, R, SQL + Experience in financial analysis, data management, and reporting. + Knowledge of accounting and corporate finance, financial modeling, credit and banking products, credit analytics, risk assessment, and transaction execution. + Familiarity with data interpretation and ability to challenge decisions based on data analysis. + Basic 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. + Ability to interpret data, make sound decisions, and challenge the basis of the analysis. + Adds value and contributes to the success of the team. + Understands and challenge various risk factors including stress testing, collateral risk and volatility, concentration risks, and liquidity. + Clear and concise written and verbal communication. + Ability to work with little direction and in a team. + Problem-solving skills to identify, analyze, and challenge basic problems. + Familiarity with risk management software and other relevant technologies. + Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment. + Familiarity software and other industry-specific tools for efficient data management and analysis. **Education** : Bachelor's degree/University degree or equivalent experience ------------------------------------------------------ **Job Family Group:** Risk Management ------------------------------------------------------ **Job Family:** Portfolio Credit Risk Management ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ **Most Relevant Skills** Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ **Other Relevant Skills** For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ _Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._ _If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review_ _Accessibility at Citi (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)_ _._ _View Citi’s_ _EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy)_ _and the_ _Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)_ _poster._ Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.