Senior Portfolio and Credit Analyst

Job title: Senior Portfolio and Credit Analyst

Company: Citigroup

Job description: The Senior Portfolio and Credit Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi’s portfolio exposure to clients and counterparties globally.Responsibilities:

• Contribute to the development of new techniques and improvement of processes and work-flows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management
• Industry and macro-economic research and analysis
• Develop recommendations to adjust credit policies by analysing credit and financial performance and utilizing statistical scoring, segmentation, and regression and simulation techniques
• Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing
• Research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as required
• Participate in developing, testing, and optimizing credit policies, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives
• Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management
• 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 behaviour, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications:

• Minimum 15 years post-graduation experience (with at least 10 years in banking). Candidates who are close to meeting this requirement may be considered
• Three years as Senior Manager with experience in at least 3 three (3) major areas of banking operations.
• Knowledge of commercial risk analytics
• Ability to apply credit and risk principles toward business goals
• 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
• Proven interpersonal, organizational and analytic skills
• Proven business writing and presentation skill.

Education:

• Bachelor’s degree/University degree or equivalent experience
• Masters degree in a business-related discipline or a professional qualification would be an advantage.

Job Family Group: Risk ManagementJob Family: Portfolio Credit Risk ManagementTime Type: Full timeCiti 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 .View Citi’s and the poster.

Expected salary:

Location: Lagos, Lagos State

Job date: Wed, 14 May 2025 02:34:30 GMT