Citi Commercial Banking \xe2\x80\x93 Credit Lending Management (CLM)-Credit AnalystJoin Citi\xe2\x80\x99s Commercial Bank in Dubai as a CLM Credit Officer and contribute to the healthy growth of credit portfolio!Credit Lending Management (CLM), in the 1st Line of Defense, house and consistently manage credit risk activities performed across its Citi Commercial Banking organization. CLMs objective is to provide integrated \xe2\x80\x9cend-to-end\xe2\x80\x9d credit underwriting, identification, measurement, management, and monitoring for Commercial Bank credit risk. CLM function provides analysis, greenlight, underwriting, first-line-of-defense credit approval and subsequent credit monitoring for Commercial Banking businesses.The CLM Credit Analyst within Middle East, being responsible for all underwriting activities, in partnership with Coverage, Product and Risk. This role reports directly to Middle East CLM 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
Continuous assurance of health and appropriateness of the credit clients\xe2\x80\x99 risk profile. Conducting Early Warning and Risk Management activities to take the right actions timely to ensure a healthy risk profile, including classification decisions and credit strategy.
Detailed reviews of financial data, projection modeling, stress testing, and perform other in-depth analysis
Responsible for on time completion of annual reviews, quarterly credit reviews, any ad-hoc reviews of existing customers
Follow the daily market updates and news, internal reports and relate them with assigned credit portfolio/pipeline for analysis
Facilitate relationships with key clients in Banking and Risk and with key control function
Support the MET CLM Head strategic initiatives/projects
Support VOE initiatives
SPECIFIC RISK EXPERIENCE:
Experience in and exposure to global credit risk management standards
Experience in structuring bilateral credit agreements, knowledge on complex credit products
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
Proven ability to effectively engage with internal control functions including Internal Audit and Fundamental Credit Risk as well as with external audit
CLIENT RELATIONSHIPS / BUSINESS PARTNERSHIP:
Proven ability to understand nuances of local markets, local regulation, and the capabilities and practices of competitors
Navigates organizational complexity and breaks silos
Creates and sustains a network of strong partnerships with the business in all segments & geographies and other risk functions
Provides 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:
Bachelor\xe2\x80\x99s/University degree in Finance, Banking, Accounting or Economics
5+ years risk/risk-related credit work experience in banking/financial institutions
Excellent written and spoken English and Arabic
Strong knowledge of accounting and its practical application in the credit underwriting process
Strong understanding of the Commercial Banking Business and Market
Experience in effectively engaging with internal control functions including Internal Audit and Fundamental Credit Risk as well as with external audit
Advanced presentation skills \xe2\x80\x93 adept at presenting effectively to audiences of various sizes and various constituencies
BENEFITS:
Obtaining deep market knowledge through customer visits and market research
Coaching from senior management through daily interaction
Gaining insight to several divisions of the bank
Continuous professional training opportunities
Job Family Group: Risk ManagementJob Family: Credit DecisionsTime Type: Full timeCiti 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.Citigroup Inc. and its subsidiaries ("Citi\xe2\x80\x9d) invite all qualified interested applicants to apply for career opportunities. 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 the " " poster. View the .View the .View the