Credit Review Senior Officer
Are you looking for a career move that will put you at the heart of a leading financial institution? Then bring your skills in analysis, problem solving and communication to Citi’s Banking & International Credit Review (BICR) Team.
By joining Citi, you will become part of a global organisation whose mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress.
What you'll do
Assess the effectiveness of credit risk management at Citi and the ability of the Business and Independent Risk to identify, monitor and mitigate current and emerging credit risks across Citigroup and Citibank.
Management of regional Banking and International Credit Review (BICR) Review Entities through quarterly Business Monitoring and periodic Reviews
Assessment of the quality of assigned portfolios and relationships, including identification and evaluation of emerging risks
Evaluation of the quality and adequacy of credit analysis and exposure analysis as well as accuracy and appropriateness of risk ratings and classifications of corporate, commercial and high-net worth relationships
Assessment of the effectiveness of the credit risk processes and standards of assigned Review Entities to promote leading practices and identify opportunities for improvements
Review of Business and Risk staffing levels to asses the effects on assigned Review Entities
Preparation of Credit Assessment Documents in accordance with and at the quality standards required by the BICR Manual and Review Guides
Approval of relationship-level file testing prepared by BICR Reviewers
Evaluation of the appropriateness of Corrective Action Plans resulting from Reviews or Business Monitoring, and subsequent validation of the effectiveness of the same after implementation by the Business
Accountability for the quality and consistency of work products that include Credit Assessment Documents, Sample Rationale Documents, and BICR Review Reports created for the assigned Review Entities
Assists Credit Review Portfolio Managers, Regional Directors, and BICR Management on regional and/or global tasks
Proactive communication to Credit Review Portfolio Managers and BICR Senior Management of any concerns and/or emerging risks that may jeopardize the assigned Review Entities
25% travel required
What we'll need from you
Bachelor’s/University degree, Master’s degree preferred
Fluent English language skills
10+ years of work experience in Banking, Finance, Accounting, Economics, Business Administration or similar with Credit or financial statement analysis experience
Advanced analytical skills, with the ability to identify root causes and trends and anticipate horizon issues
Fully conversant in credit policy matters
Good knowledge of capital markets products, including derivatives
Ability to recognize emerging risks, including operational risk
Expert in risk analysis and risk management processes for one or more products and lending areas
Developed project management skills
Proficient in Microsoft Office (Word, Excel, and PowerPoint)
Proven ability to build and maintain relationships and exert influence without direct authority
Excellent written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
Senior Credit Officer qualification preferred. Regulatory experience or relevant experience in a similar role at another institution is desirable
What we can offer you
This is a role that'll offer you the opportunity to deepen the credit knowledge and gain more credit experience. Every day there will be new business challenges that will help you develop new skills that can drive your career.
By joining Citi Hungary, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive compensation package and enjoy a whole host of additional benefits that support you (and your family) to be well, live well and save well:
Cafeteria Program
Home Office Allowance (for colleagues working in hybrid work models)
Paid Parental Leave Program (maternity and paternity leave)
Private Medical Care Program and onsite medical rooms at our offices
Pension Plan Contribution to voluntary pension fund
Group Life Insurance
Employee Assistance Program
Access to a wide variety of learning and development programs, online course libraries and upskilling platforms, such as Udemy and Degreed
Flexible work arrangements to support you in managing work - life balance
Career progression opportunities across geographies and business lines
Socially active employee communities with diverse networking opportunities
Alongside these benefits Citi is committed to ensuring our workplace is where everyone feels comfortable coming to work as their whole self every day. We want the best talent around the world to be energized to join us, motivated to stay, and empowered to thrive.
Sounds like Citi has everything you need? Then apply to discover the true extent of your capabilities.
#LI-DP1
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Job Family Group:
Risk Management------------------------------------------------------
Job Family:
Credit Review Risk Management------------------------------------------------------
Time Type:
Full time------------------------------------------------------
Citi is an equal opportunity and affirmative action employer.
Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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.
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