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 Sr. Analyst - Assistant Vice President (Internal Job Title: Credit Risk 2LOD Sr Analyst - C12) 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 role is focused on wholesale credit risk, which includes analyzing the creditworthiness of Corporate Banking clients, assigning risk ratings, reviewing, and challenging credit requests from First Line of Defense, recommending, or approving credit extensions, and providing ongoing monitoring of credit exposures and the credit portfolio. Individuals within this role maintain a balance between risk and return in credit decisions to support sustainable business growth, while ensuring compliance with internal credit policies and relevant regulatory requirements. Role also includes supporting the Risk Management organization in developing and/or managing core franchise Risk Management requirements including, but not limited to, stress testing, regulatory requirements/guidance, MFRS9, etc.

In this role, you're expected:

• Provide Independent Risk Management support to business partners through the provision of an efficient and effective credit process.

• Independently assess wholesale credit requests for Corporate Banking and provide effective review and challenge to First Line of Defense credit activities.

• Manage risks through various means, including proactive ongoing monitoring of the portfolio to identify emerging threats and implement mitigation strategies.

• Communicate any potential risks to senior management, providing regular updates as relevant.

• Work closely with the Malaysia Risk Management and Corporate Credit Risk Management team in performing portfolio management tasks including portfolio reporting, rapid portfolio reviews, stress testing, MFRS9 and regulatory and/or Board reporting/tasks.

• Create and sustain a network of strong partnerships with the business and other functions.

• Support effective and timely administration of the Manager's Control Assessment (MCA) process.

• Demonstrate technical expertise, strong understanding of products and associated risks.

• Maintaining and developing knowledge and understanding of Citi's credit policies/ procedures and regulatory expectations.

• 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.

• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of teams and create accountability with those who fail to maintain these standards

As a successful candidate, you'd ideally have the following skills and exposure:

• 5-8 years of experience in similar role, demonstrating proficiency in credit approval, portfolio monitoring, risk management, and financial statement analysis.

• Familiarity with credit risk processes, standards, and opportunities for improvement.

• 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.

• Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency.

• Proven ability to remain organized in a fast-paced environment, managing multiple projects.

• Strong knowledge of Microsoft Office (Excel, Word, PowerPoint, etc.).

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 and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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.

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