Senior Credit Risk Specialist

1 month ago


Singapore 11112 Citibank, N.A. Singapore Full time
About Citi

Citi is a leading global bank that operates in over 95 markets worldwide, offering a wide range of financial services to its clients. Our commitment to innovation, risk management, and customer satisfaction has made us a trusted partner for businesses and individuals alike.

Job Summary

We are seeking a highly skilled Commercial Credit Manager to join our team in Singapore. As a key member of our Commercial Lending Management Unit, you will be responsible for underwriting commercial credit extensions, preparing credit summaries, and performing financial analysis on companies and individuals.

About the Role

This is an exciting opportunity to work with a talented team of professionals who share your passion for risk management and financial analysis. You will have the chance to develop your skills and expertise in a dynamic and fast-paced environment, working closely with bankers, analysts, and other stakeholders to ensure sound credit decisions and compliance with internal procedures and credit risk policy guidelines.

Key Responsibilities
  • Interface with bankers to support credit extension requests for new and existing clients, owning responsibility for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards.
  • Prepare detailed written credit summaries of commercial applicants, analyzing business, interpreting finance needs, identifying strengths and prevailing risk factors, and rendering final credit decisions.
  • Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret financial information.
  • Conduct credit and personal financial statement analysis on individuals, guarantors, and co-borrowers to assess repayment capacity based on cash flow statements, tax returns, and statements.
  • Carry out industry and geographical research and other due diligence as needed.
  • Maintain a solid understanding of Citibank products and services within Small Business/Commercial Banking and the broader organization.
  • Maintain compliance with Citibank credit policies/practices and regulatory policies to ensure business unit adherence and receive satisfactory ratings from internal and external auditors.
Requirements

To be successful in this role, you should have:

  • 2-5 years prior experience in credit risk management or equivalent training and experience, preferably in the financial services industry.
  • The ability to apply credit and risk principles toward business goals.
  • Demonstrated ability to synthesize, prioritize, and drive results with a high sense of urgency.
  • Highly organized and able to work in a fast-paced environment managing multiple projects, possessing effective interpersonal, organizational, and analytic skills.
What We Offer

We offer a competitive salary of SGD $120,000 - $180,000 per annum, depending on experience, plus a range of benefits, including health insurance, retirement savings plan, and generous paid time off. Joining Citi means becoming part of a global community of innovators, entrepreneurs, and leaders who share your passion for making a difference.

About Us

Citi is an equal opportunity and affirmative action employer committed to diversity and inclusion. 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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