SR CREDIT ANALYST

Context of Job.
The credit analyst will be responsible for the origination and monitoring of a credit portfolio that includes the production of Credit Initials, Annual Credit Reviews and Quarterly Reviews, developing financial analysis, cash flow projections, industry analysis and determining risk ratings.
Monitor how economic and industry evolution and trends impact the repayment capacity of the customers and anticipate early warning signals with the aim of minimizing credit losses.
Participate credit committees, prepare the material and engage in these meetings to actively transmit the quality and risks of the proposed credit, supporting approvers in the ultimate decisions.
Perform customers due diligences together with the business.
Support the business in the structuring and discussion of transactions involving credit risk, including management analysis, relationship strategy and risk-return adequacy of products.
Contribute to developing enhancements of work flow management tool and participate portfolio stress tests and in systems user acceptance tests; Maintain up to date knowledge of policies, procedures and processes relevant to credit risk management.
Perform accurate data input and be responsible for its integrity when building and monitoring credit facilities.
Proactively engage in team meetings towards s constructive dialogue, sharing key points and summarizing takeaways.
Skills and Competencies.
Demonstrates considerable knowledge of financial statements and Brazilian GAAP.
Demonstrates ability to identify potential risk issues that need escalation.
Displays industry research capabilities, including key drivers, main risk and opportunities, strengths and weaknesses.
Strong interpersonal skills, with the ability to manage conflicting ideas, to build relationships and to work with colleagues from different areas.
Builds consensus.
Solid written and verbal communications skills, with the ability to communicate clearly and concisely.
Strong organization skills and attention to detail.
Capacity to work independently.
Exhibits deep knowledge of Commercial or Corporate banking product suite, in particular loans, trade finance, lease and credit derivatives and target markets.
Capacity to work under pressure and comply with tight deadlines.
Manages time and priorities effectively, knows when to escalate issues.
Experience with leading client due diligences.
Displays a deep commitment and positive attitude.
Qualifications.
Minimum 6 years of Credit experience in credit analysis or risk management function for Commercial or Corporate banking.
Bachelor’s degree in related areas.
Business Administration, Economics, Accounting, Engineering.
Fluent in English.
Spanish is a plus.
Knowledge of MS Suite (Word, Excel, PowerPoint).
------------------------------------------------------ Job Family Group.
Risk Management ------------------------------------------------------ Job Family.
Credit Decisions ------------------------------------------------------ Time Type.
Full time ------------------------------------------------------ Citi is an equal opportunity and affirmative action employer.
Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
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