The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the mortgage 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 * Develop recommendations to adjust credit policies by analyzing credit and financial performance and setting portfolio risk appetite * 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 behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency. Qualifications: * 4-7 years of relevant experience * 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 Education: * Bachelor's degree/University degree or equivalent experience Shift :1 PM to 10 PM \------------------------------------------------------ ## Job Family Group: Risk Management \------------------------------------------------------ ## Job Family: Portfolio Credit Risk Management \------------------------------------------------------ ## Time Type: Full time \------------------------------------------------------ ## Most Relevant Skills Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle. \------------------------------------------------------ ## Other Relevant Skills Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. \------------------------------------------------------ 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. View Citi’s EEO Policy Statement and the Know Your Rights poster.