Credit Risk Analyst

Há 4 dias

São Paulo, São Paulo, Brasil Citi Tempo inteiro

Job Summary:

The Credit Risk Analyst will be responsible for the origination and monitoring of a credit portfolio that includes the production of Credit Initials, Annual Credit Reviews and Quarterly Reviews, developing financial analysis, cash flow projections, industry analysis and determining risk ratings.

Key Responsibilities:

  • Monitor how economic and industry evolution and trends impact the repayment capacity of the customers and anticipate early warning signals with the aim of minimizing credit losses;
  • Participate in credit committees, prepare the material and engage in these meetings to actively transmit the quality and risks of the proposed credit, supporting approvers in the ultimate decisions;
  • Perform customer due diligence together with the business;
  • Support the business in the structuring and discussion of transactions involving credit risk, including management analysis, relationship strategy and risk-return adequacy of products;
  • Contribute to developing enhancements of workflow management tools and participate in portfolio stress tests and systems user acceptance tests;
  • Maintain up-to-date knowledge of policies, procedures and processes relevant to credit risk management;
  • Perform accurate data input and be responsible for its integrity when building and monitoring credit facilities;
  • Proactively engage in team meetings towards constructive dialogue, sharing key points and summarizing takeaways.

Requirements:

  • Demonstrates considerable knowledge of financial statements and Brazilian GAAP;
  • Demonstrates ability to identify potential risk issues that need escalation;
  • Displays industry research capabilities, including key drivers, main risks and opportunities, strengths and weaknesses;
  • Strong interpersonal skills, with the ability to manage conflicting ideas, build relationships and work with colleagues from different areas. Builds consensus;
  • Solid written and verbal communication skills, with the ability to communicate clearly and concisely;
  • Strong organizational skills and attention to detail;
  • Capacity to work independently;
  • Exhibits deep knowledge of Commercial or Corporate banking product suite, in particular loans, trade finance, lease and credit derivatives and target markets;
  • Capacity to work under pressure and comply with tight deadlines;
  • Manages time and priorities effectively, knows when to escalate issues;
  • Experience with leading client due diligence;
  • Displays a deep commitment and positive attitude;
  • Minimum 6 years of credit experience in credit analysis or risk management function for Commercial or Corporate banking;
  • Bachelor's degree in related areas: Business Administration, Economics, Accounting, Engineering;
  • Fluent in English. Spanish is a plus;
  • Knowledge of MS Suite (Word, Excel, PowerPoint).

Job Family Group: Risk Management

Job Family: Credit Decisions

Time Type: Full time

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