Senior Credit Analyst – AVP, French Speaking

Citi is a global financial services company that provides a wide range of banking, lending, and investment services.

Underwriting Analysts and Associates are responsible for a portfolio of Corporate Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Initial Credit Approvals, Transaction Approvals, Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Portfolio & Industry Reviews and Stress Testing.

1. Assess the credit and financial strength of Citi’s Most Complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.
2. Complete Credit Analysis write-ups while assigning internal credit risk ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge.
3. Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriters, Risk and Banking partners.
4. Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios.
5. Other duties as required to support business unit and company goals.

1. Demonstratable financial services experience, including 8-10 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
2. Strong proficiency in English and French (written and verbal).
3. Strong analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues.
4. Background on both Corporate and Financial Institutions’ risk analysis will be a plus.
5. Advanced industry research capabilities, including risk and key drivers.
6. Proven analytical skills including the ability to understand and assess company financial statements, cash flow, industry/competitive analysis and projections; including complicated business structures with foreign subsidiaries and/or parent organizations.
7. Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
8. Effective inter-personal and written/verbal communication skills
9. Thorough problem recognition and resolution skills
10. Bachelor’s/University degree or equivalent experience.
11. Higher degree in Business (MBA), or any other related subject will be an added advantage.