Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a function in the 1st Line of Defense, to house and consistently manage credit risk activities performed across its wholesale credit businesses. ICM\xe2\x80\x99s objective is to provide integrated \xe2\x80\x9cend-to-end\xe2\x80\x9d credit underwriting, identification, measurement, management, and monitoring for wholesale credit risk. Within ICM, the Credit Underwriting function (ICM-UW) provides analysis, greenlight, underwriting, 1st Line of Defense credit approval and subsequent credit monitoring across all wholesale credit businesses including Banking, Markets, Treasury & Trade Solutions (TTS) and Securities Services.

Each Middle East & North Africa Credit Underwriter covers large and complex relationships with corporates, financial institutions and public sector clients within the Middle East & North Africa, being responsible for all underwriting activities, in partnership with Business and Risk (2nd Line of Defense). This role reports directly to the Middle East & North Africa ICM-UW Cluster Head.

KEY RESPONSIBILITIES:

Executes, aligned with global and regional strategies, all responsibilities regarding underwriting, including, but not limited to:

• Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions, to development of credit approval memos, and senior approval forums
• Ensure Credit Approval Memo (CAM) packages are complete and accurate
• Detailed reviews of financial data, projection modelling, stress testing, and other in-depth analysis performed by junior resources in Citi\xe2\x80\x99s Risk Analysis Unit
• Balance business opportunities within Citi\xe2\x80\x99s Risk appetite framework
• Facilitate relationships with key clients in Banking and Risk and with key Regulators, Internal Audit, and control functions
• Support the ICM-UW leadership on strategic initiatives/projects
• Support Voice of the Employee initiatives
• While this role does not have formal direct reports, there are many people management opportunities, including coaching and developing the analysts in the Risk Analysis Unit, volunteering as a mentor for ICM colleagues and supporting formal and informal training programs

SPECIFIC RISK EXPERIENCE:

• Senior credit approval authority (or similar designation) covering large and complex underwritings, capital commitments, and derivatives with multi-industry experience
• Experience in and exposure to global credit risk management standards
• Ability to understand capital markets products and complex financing and product structures
• Ability to implement change and develop best practices throughout an organization.
• Ability to provide strategic insights and strong sensitivity to macro and regulatory issues, and impact of such issues on the various Risk families, including operational and franchise risks
• Able to discuss and address issues associated with the allocation of risk assets and risk capital in partnership with banking and product organizations
• Proven ability to effectively engage with regulators and internal control functions including Internal Audit and Fundamental Credit Risk as well as with external audit

CLIENT RELATIONSHIPS / BUSINESS PARTNERSHIP:

• As part of the 1st Line of Defense, the ability to find the right balance that achieves the aims of the business while managing Citi\xe2\x80\x99s risk appropriately
• Understanding the nuances of local markets, local regulation, and the capabilities and practices of competitors
• Navigate organizational complexity and break silos
• Create and sustain a network of strong partnerships with the business in all segments & geographies and risk functions
• Provide well-reasoned, balanced assessments of risk/return trade-offs associated with transactions and client relationships
• Proven track record of partnering with global peers in leveraging and implementation of best practices

QUALIFICATIONS

• 10+ years of corporate banking, credit risk and/or corporate finance work experience at banks/financial institutions
• Candidates with less experience but an outstanding track record could be considered for the role as VP/C13
• Senior Credit Officer designation (or similar) is preferred
• Demonstrates strong ethics and integrity
• Ability to see the \xe2\x80\x98big picture\xe2\x80\x99 in a complex environment
• Can make decisions under pressure and short timeline
• Excellent verbal & written communication skills in English. Strong preference for French language skills
• Active listening skills
• Demonstrated influencing and negotiating ability, resolve conflicts amongst various constituencies
• Excellent presentation skills \xe2\x80\x93 adept at presenting effectively to audiences of various sizes and various constituencies

Job Family Group: Risk Management



Job Family: Credit Decisions



Time Type: Full time



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