Citi Commercial Bank Business Credit Manager

We live in an increasingly complex world. Companies these days are either born global or are going global at record speed. Business and geopolitics are forging an entirely new dynamic and consumers now expect financial services to be a seamless part of their digital lives. **Citi** is a bank that’s uniquely positioned for this moment. Through our vast global network and our on-the-ground expertise, we can connect the dots, anticipate change and empathize the needs of our clients and customers in ways that other banks simply cannot. **Shape your Career with Citi** Citi’s **Banking** franchise is organized around three lines of business: Investment Banking, Corporate Banking and Commercial Banking. The unified Banking and International organization oversees the local delivery of the full firm to clients in each of the 95 markets where Citi has an on-the-ground presence. **Citi Commercial Bank (CCB)** is a solutions-led business for the demands of mid-sized and emerging corporates. We’re currently looking for a high caliber professional to join our team as **Business Credit Manager **based in Singapore. This role is part of the Commercial Lending Management Unit. This team is part of the Citi Commercial Bank which specializes in providing trade finance, working capital finance and treasury solutions for Emerging Corporate and Mid Corporate clients in Singapore. **In this role, you’re expected to**: - Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards. - Prepare a detailed written credit summary of commercial applicants requesting credit by analyzing the business, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision. - Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information. - Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers in order to assess repayment capacity based on cash flow statements, tax returns, and statements. - Perform 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 is in adherence to the above and receives satisfactory ratings from internal and external auditors. - 2 - 5 years prior experience in credit risk management or equivalent training and experience preferably in the financial services industry. - Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency. - Must be highly organized and able to work in a fast-paced environment managing multiple projects and possess effective. - Interpersonal, organizational and analytic skills. Working at Citi is far more than just a job. A career with us means joining a family of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact. - **Job Family Group**: Risk Management - **Job Family**: Credit Decisions - **Time Type**: - Citi 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. View the "**EEO is the Law**" poster. View the **EEO is the Law Supplement**. View the **EEO Policy Statement**. View the **Pay Transparency Posting