ICG Risk Analysis (IRAUs) is an integral part of the Institutional Credit Management (“ICM”) organization. The IRAU’s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to ICG Risk and Banking, Capital Markets and Advisory’s (BCMA) shared commitment to ensuring the safety and soundness of wholesale lending across ICG.
ICG Risk Analysis Credit Risk Team Leads are responsible for leading and coordinating analysts, ensuring quality assurance and timely delivery, while being the primary responsible for coaching and supervision of the team.
A Credit Risk Team Lead is expected to have an advanced understanding of credit risk, of Citi´s internal policies and procedures, and of being knowledgeable about the industry fundamentals that portfolio belongs to. They should be able to independently lead thoughtful conversations with ICG Risk and BCMA partners.
This role has responsibility for the portfolio of prospective Funds relationships and although it is co-located to the IRAU team, the role reports directly to the FICC EMEA Funds Credit Portfolio Senior Officer I. We envisage a transition to ICM / IRAU at a future date.
Accountability for ensuring best in class core credit risk analysis of applicable portfolio ensuring consistencies with industry leading practices and conforms to all internal credit procedures/policies, and all related regulatory expectations
Supporting the Credit Risk Portfolio Manager on the continuous engagement with applicable BCMA and Independent Risk senior stakeholders in the region to 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 Analysts to sustain a strong credit culture and an unwavering commitment to excellence in analysis and execution
Partnership with applicable regional and industry stakeholders in BCMA and Independent 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 ICG Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)
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, commonsense, 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
Assists colleagues in identifying stretch 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 the control environment including Quality Assurance and Quality Control
Proven culture carrier
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 manages 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
Advanced Microsoft Office (Word, Excel, and PowerPoint) skills
Exceptional experience with the internal ICG Templates and with Financial Modeling
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
The reporting line and specific focus of this role on initial reviews is different to the rest of the IRAU where annual credit reviews are performed. This is the most substantial difference; this role is just as much a part of the global FICC Funds team, comprising also the other IRAUs, limit monitoring teams, and hub staff
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