The role is focused on covering local regulatory needs within the LATAM region, analyzing the creditworthiness of individuals and entities, , recommending, or approving credit extensions or withdrawals, and providing ongoing monitoring of credit exposures. Individuals within this role maintain a balance between risk and return, ensuring that credit policies are appropriate, and perform regular in-depth reviews of the credit portfolio, ensuring fully adherence to local regulatory requirements.
Responsibilities:
- Provides risk strategic analytics and information management across Citibank products; facilitating data-quality and controls for other teams and managers.
- Provides regulatory risk project management support (business requirements, analysis and testing) for delivery of regulatory solutions.
- Performs business analysis to respond to regulatory and business questions and provide portfolio insights.
- Performs data analysis to monitor and track data quality and completeness of data.
- Independently review and assess business problems, leveraging extensive knowledge of industry standards and practices to evaluate potential risks in assigned portfolios. Identify emerging threats and implement mitigation strategies.
- Analyze and suggest improvements in credit risk processes for assigned portfolio based on in-depth analysis and industry best practices. Ensure the appropriateness and completeness of credit risk components, validating their usage trends.
- Communicate any potential risks to senior management, providing regular updates about the status of their Reviews.
- Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.
- Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures.
- Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.
- Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization.
- Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda
- Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities.
- Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.
- Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness.
- Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements.
- Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals.
- Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult
- Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals.
- Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi’s clients and the community.
- Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development.
- Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities.
- Empathetically listens and understands others’ positions before acting on issues; works to amplify voices that are minimized in the workplace
Qualifications:
- 5-8 years of experience
• Extensive professional experience in a similar role, demonstrating proficiency in credit approval, portfolio monitoring, and financial statement analysis.
• Deep disciplinary knowledge within the field, integrated with subject matter and industry experience.
• Advanced technical knowledge within a specific business area, including familiarity with credit risk processes, standards, and opportunities for improvement.
• Commercial awareness and understanding of business operations and strategies, including experience in assessing business/risk staffing models.
• Proven background in managing Corrective Action Plans related to credit risk reviews or business monitoring.
• Advanced interpretation and analysis abilities related to financial statements and indicators.
• Expertise in resolving complex business problems independently using analytical thinking and logical reasoning.
• Strong communication skills to clearly convey complex information to a variety of audiences.
• Proficiency in conducting comprehensive financial analysis, detecting potential risks, and initiating appropriate measures.
• Ability to filter, prioritize, and validate complex and dynamic material.
• Command of Customer Accounting Systems and Credit Platforms.
• Experience in maintaining quality and consistency standards in Fundamental Credit Risk documents.
Education:
- Bachelor's/University degree or equivalent experience
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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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