Senior Credit Risk Officer
4 semanas atrás
Credit Risk Senior Officer I Job Description
The Credit Risk Senior Officer I is a strategic professional who closely follows the latest trends in their field and adapts them for application within their job and the business. This role requires excellent communication skills to negotiate internally, often at a senior level, and occasionally with external customers.
Key Responsibilities:
- Responsible for the financial analysis, risk assessment, and credit structure recommendation for cash flow lending products.
- Complete in-depth analysis of financial data and other information provided by the client and/or banker in the field.
- Oversee deal approvals including timing of approvals and turnaround in collaboration with Independent Risk and business partners.
- Supplement analysis with research and evaluations from a wide variety of sources to develop an assessment of client, competitor/industry risks and trends for senior management and/or the Senior Credit Officer.
- Monitor an assigned credit portfolio and complete periodic reviews; maintain a thorough understanding of the content and aggregate risks within the portfolio, trends, and other key statistics.
- Execute early warning procedures to promote preventative action where appropriate.
- Assist in the development of appropriate procedures around approvals, underwriting, and portfolio functions in consultation with Independent Risk and senior business leaders.
- Assist in the development of appropriate credit guidelines around proposed cash flow lending appetite in consultation with Independent Risk.
- Assist revenue growth and contain credit losses while managing risk within credit policy.
- Manage the underwriting process for an increased credit request to an existing portfolio client.
- Proactively reach out to line partners, creating a shared learning environment between remote locations and the front office.
- 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:
- 10+ years of credit experience required.
- Proven track record of successfully managing leveraged finance portfolios in the commercial lending space.
- Excellent communication and diplomacy skills are required in order to negotiate internally, often at a senior level and occasionally with external customers.
- Thorough credit and analytical skills, knowledge of credit products.
- Effective verbal and written communication skills.
- Ability to train, recruit, and mentor teams of professionals; bold in approach to approve sound credit and highly collaborative work style.
- Bachelor's/University degree; Master's degree preferred.
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