Credit Risk 2lod Senior Analyst - C12

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 \------------------------------------------------------ **Job Family Group:** --------------------- Risk Management \------------------------------------------------------ **Job Family:** --------------- Credit Risk \------------------------------------------------------ **Time Type:** -------------- Full time \------------------------------------------------------ **Most Relevant Skills** ------------------------ Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle. \------------------------------------------------------ **Other Relevant Skills** ------------------------- For complementary skills, please see above and/or contact the recruiter. \------------------------------------------------------ _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._ _If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review_ _[Accessibility at Citi](https://www.citigroup.com/citi/accessibility/application-accessibility.htm)._ _View Citi’s [EEO Policy Statement](https://www.citigroup.com/global/eeo-aa-policy) and the [Know Your Rights](https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf) poster._