Credit Officer

Institutional Credit Management Underwriting (“ICM UW”) mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Banking and Risk organizations, shared commitment to ensuring the safety and soundness of wholesale lending process. ICM UW Team Leads are responsible for leading and coordinating large groups of analysts, ensuring quality assurance and timely delivery, while being the primary responsible for coaching and supervision of the team of Credit Risk Analysts, Credit Risk Senior Analysts and Credit Risk Associates.

Job Description

An ICM UW Team Lead is expected to have an advanced understanding of credit risk, of Citi´s internal policies and procedures and external body of regulations and of being knowledgeable about a wide array of industry fundamentals. They should be able to independently lead thoughtful conversations with Banking and Risk partners. They are strategic professionals who stay abreast of developments within own field and contribute to directional strategy by considering their application in own job and the business. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Significant impact on the area through complex deliverables.

This specific role has responsibility for the portfolio of Brazil Global Networking Banking (“GNB”) relationships. Reporting to the ICM UW Latam Regulatory Cluster Head their primary mission is to conduct the Local Required Documentation (“LRD”) process. 

Key Responsibilities

• Accountability for ensuring best in class core credit risk analysis of applicable portfolio ensuring consistency with industry leading practices and conforms to all internal credit procedures/policies, and all related regulatory expectations.

• Supporting Banking and Risk organizations in Brazil so as to understand any concerns regarding execution of risk analysis and/or emerging risks which will need to be addressed by the team, and ensuring the tactical execution of these guidelines is reflected on all core deliverables of the team.

• Ensure ongoing and timely feedback and coaching of Credit Risk Analysts, Credit Risk Senior Analysts, and Credit Risk Associates to sustain a strong credit culture and an unwavering commitment to excellence in analysis and execution.

• Partnership with applicable stakeholders in Banking and Risk in the implementation of credit assessment and monitoring standards for applicable portfolios.

• Attract, develop and retain top quality staff including as regards active engagement with regional on-campus recruiting efforts to ensure a robust pipeline of talent.

• Support ICM UW team Voice of the Employee (VOE) initiatives

• Travel (less than 10%)

Skills/Competencies

• Risk & Credit Underwriting:

  • Satisfactory completion of Credit Training or equivalent.

  • Ability to evaluate, negotiate, structure and/or monitor extensions of credit.

  • Knowledge of relevant Citi-level and business-level credit policies and the ability to apply this knowledge to specific situations.

  • Thorough understanding of the credit and/or portfolio management process.

  • Knowledge of the relevant customer, industry and product range.

  • Knowledge of documentation and reporting requirements directly affected by execution of their credit responsibilities.

  • Integrity, honesty, sound judgment, common sense, and attention to detail.

  • Ability to communicate clearly, to think and act independently, and to know when to ask for guidance from more experienced officers or specialists in the credit process.

• Leadership:

  • Assists colleagues in identifying opportunities to elevate individual and team performance and recognizes individuals based on performance.

  • Coach, mentor and lead direct reports to develop team strengths and improve weaknesses.

  • Strong awareness and adherence to Quality Assurance and Quality Control.

  • Highly Effective interpersonal skills, with the ability to build relationships and exert influence with and without direct authority with Senior Levels of Management.

  • Solid organizational skills with ability and willingness to work under pressure and manage time and priorities effectively.

  • Exceptional written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority.

• Technical:

  • Advanced MS Office (Word, Excel, and PowerPoint) and AI skills.

  • Exceptional experience with internal Templates and with Financial Modeling.

Qualifications

• BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject.

• Financial Services experience including 5-7 years of credit experience in Banking or Credit Risk Management.

• Prior experience working in a regulatory and compliance policy environment.

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Job Family Group:

Risk Management

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Job Family:

Credit Risk

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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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.

 

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