Credit Risk Specialist

4 days ago

Hong Kong, Central and Western District, Hong Kong SAR China Citi Full time

Citi Global Wealth (CGW) is a division of Citi that focuses on serving clients across the entire wealth spectrum. It delivers a wide range of products and services covering capital markets, managed investments, portfolio management, trust and estate planning, investment finance and banking.

By building on the strengths and capabilities across Citi, we aim to transform the way we serve clients across the wealth spectrum, delivering high-tech and high-touch capabilities. Our goal is to help clients achieve their objectives.

The Lending business of Wealth offers a diverse product range including Securities Backed Lending (SBL), Commercial Real Estate (CRE), Aircraft, Art-backed Finance, and tailored solutions for target market clients of the Private Bank. Wealth Credit Management (WCM) is a critical component of the First Line of Defense for credit risk management and works closely with Independent Risk partners to ensure best-in-class risk and controls, as well as client responsiveness.

Key responsibilities of the group include credit analysis, documentation, risk identification, exposure monitoring, and associated administration with Citi Global Wealth lending activities. Within WCM, the Wealth Credit Management Underwriter manages a portfolio of clients with lending requirements. The lending is typically fully collateralized against either investment portfolios, commercial real estate, aircraft, art collections, or illiquid listed stocks.

We expect the incumbent to be a credit professional who stays up-to-date with developments in their field and contributes to the directional strategy of the Private Banking Lending business. Having a recognized technical authority in this field would be an added advantage. The candidate should also have basic commercial awareness for lending transactions.

This is an individual contributor role within a larger regional team, requiring good interpersonal communication and interaction skills to guide, influence, and convince other internal stakeholders, as well as external customers occasionally.

Responsibilities:
  • Assist Lending Advisors with preparing Credit Greenlight memos as applicable
  • Full credit underwriting with appropriate risk-return characteristics based on Citi's Credit and Product Standards, policies, and procedures
  • Preparation of Credit Applications ensuring accuracy and completeness of data
  • Financial Analysis including cash flow statements
  • Collateral Evaluation covering investment portfolios, commercial real estate, art, aircraft, and other asset classes
  • Prepare and negotiate credit documentation for facilities, including liaison with internal and external legal counsel as required; undertake annual review of documentation
  • Prepare and review facility covenants
  • Assist in Portfolio Management, including Annual Credit Reviews, covenant monitoring and compliance, waivers and extensions, and all related system maintenance with Data Management Teams
  • Problem Recognition and assisting with classified loans remedial management
  • Appropriately assess risk when business decisions are made, demonstrating 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 transparently
Qualifications:
  • 5 years of experience
  • Strong and proven analytical, financial structuring, and execution skills
  • Experience as a credit officer
  • Strong knowledge of Citibank's Credit Policies, Product Programs, and Citi Policies
  • In-depth knowledge and understanding of Financial Analysis including financial and cash flow modeling
  • Excellent communication (written and verbal) and interpersonal skills
  • Good negotiation skills
  • Strong initiative and interactive approach to problem-solving
  • Displays flexibility and independence in a demanding environment
  • Team Player

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