Credit Decisions

Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At **Citi**, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism.

We’re currently looking for a high caliber professional to join our team as **Credit Decisions - Credit Risk, Vice President**(Internal Job Title**:Credit Risk 2LOD Officer - C13)**based in Kuala Lumpur, Malaysia. 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.
- Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses.

The Credit Risk role is focused on analyzing the creditworthiness of individuals and entities, assigning risk ratings, recommending, or approving credit extensions or withdrawals, and providing ongoing monitoring of credit exposures. This role includes those with credit approval authority for portfolios requiring management for delinquency. 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. This role manages and mitigates potential credit losses, safeguarding the company's financial stability and supporting sustainable business growth.

**Responsibilities**:

- Provide guidance, review & challenge, and recommendations on credit approvals for an assigned credit portfolio
- Has the ability to operate with a limited level of direct supervision and provide autonomous assessment of the accuracy and appropriateness of risk ratings and classifications of the assigned portfolios
- Assess the quality of the loan portfolio, including the identification and assessment of emerging risks and providing regular feedback on issues and opportunities to senior management
- Influence decisions and impact projects through advice, counsel, and facilitation in your area of specialization.
- Assess effectiveness of the credit risk processes and standards of assigned portfolio to promote leading practices and identify opportunities for improvements
- Utilize advanced analytical skills to filter, prioritize, and validate complex data from multiple sources.
- Effectively communicate and negotiate with internal stakeholders, often at senior levels.
- Provide support in preparing Deliverables for internal and external stakeholders, including regulators (for example on expected portfolio performance, areas of potential risk and/or opportunity)
- Make informed business decisions that consider risk assessment, the firm's reputation, and compliance with laws, rules, and regulations.
- Comply with applicable laws, rules, and regulations, upholding policy and ethical business practices
- 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 collab