Officer, Credit Analyst

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.

Shape your Career with Citi

Citi Global Wealth (CGW) brings together the full power of Citi to serve the entire continuum of wealth clients, from affluent to ultra-high net worth to family offices.  The strategies we create help our clients maintain liquidity while maximizing yields, transact in foreign currency and across borders, and manage fluctuating expenses or cash flow.  We are uniquely suited to helping our clients meet their banking needs across regions through our global network.

We’re currently looking for a high caliber professional to join our team as Officer, Credit Analyst - Hybrid (Internal Job Title: Credit Portfolio Intmd Analyst - C11) based in Hong Kong.  Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future.  For instance:

• 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 believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That’s why in early 2020 we began rolling out our expanded Paid Parental Leave Policy to include Citi employees around the world.

• We empower our employees to manage their financial well-being and help them plan for the future.

• Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses.

• We have a variety of programs that help employees balance their work and life, including generous paid time off packages.

• We offer our employees resources and tools to volunteer in the communities in which they live and work. In 2019, Citi employee volunteers contributed more than 1 million volunteer hours around the world.

In this role, you’re expected to:

The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for supporting model risk management related with loan loss forecasting models which are used for internal and regulatory stress testing exercise, loan loss reserve forecasting, credit cost plan/outlook for Wealth Credit risk.

• Perform regular monitoring & validation on the performance of the unsecured lending loss forecasting models (CCAR/ICAAP/SDST/IFRS9/CECL usages).

• Support Model development/validation/ annual renewal / On-going performance monitoring Projects and address model limitations.

• Support regular stress test exercises (CCAR, ICAAP, SDST), Loan loss reserve calculation, and Budget planning for Credit Cost Projection.

• Produces analytics and reporting used to address model limitations.

• Maintain compliance with Citibank model risk policies/procedures, regulatory policies and prepare, update, and ensure approval of all internal policy and procedure changes, keeping proper change and approval logs.

• 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 behaviour, conduct and business practices, and escalating, managing and reporting control issues with transparency.

As a successful candidate, you’d ideally have the following skills and exposure:

• Bachelor or post-graduate degree in Business, Statistics, Data Science or other related quantitative disciplines

• Minimum 4 - 5 years of model risk management experience in Cards and Unsecured Lending Products and experience in credit scorecard or credit loss forecasting models (CCAR/ICAAP/CECL/IFRS9)

• Highly numerate, good communication, interpersonal skills and ability to motivate others with leadership potential

• Sound knowledge in SAS programming, data mining and MS word / excel / access / power-point is a must

• Demonstrated accountability, self-motivation, and detail oriented.

Working at Citi is far more than just a job. A career with us means joining a family of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Take the next step in your career, apply for this role at Citi today

https://jobs.citi.com/dei

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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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