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The Credit Portfolio Associate Analyst II is an entry-level position responsible for participating in a variety of portfolio monitoring activities to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to assist in managing Citi's portfolio exposure to clients and counterparties globally.

Responsibilities:

Uses judgement and commercial underwriting skills to analyze and assess requests primarily for small to medium dealer / merchants for Dealer Private label credit card portfolio.

Conducts judgmental credit & AML reviews of existing dealers queued by dealer monitoring system and completes AML periodic reviews on higher risk dealers per policy or with a material change event.

• Ensures adherence to company and third-party credit policies, AML procedures and department goals and standards.

• Identifies and escalates credit policy opportunities through system testing and procedural reviews and performs efficiently while maintaining quality.

• Demonstrates an understanding of issues and offers appropriate options to bring to resolution.

• Provides on-going, reliable input to management relevant to operational problems, issues, risks, and other matters.

• Performs other duties and functions as assigned.Build working relationships with various teams across the bank

• 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:

• 0-2 years of experience in commercial underwriting

• Experience in financial analysis, accounting and valuation

• Knowledge of accounting and credit analytics, risk assessment, and transaction execution

• Consistently demonstrate clear and concise written and verbal communication

• Ability to read and interpret Commercial Credit bureaus to analyze trade experience and use external financial resources to underwrite dealer requests.

• Demonstrated Consumer or Commercial Underwriting skills.

• Proven ability to work under limited supervision and in a team

• Demonstrated accountability, self-motivation and business acumen

Education:

• Bachelor's degree/University degree or equivalent experience

Job Family Group:

Risk Management

Job Family:

Portfolio Credit Risk Management

Time Type:

Full time

Primary Location:

Wilmington Delaware United States

Primary Location Full Time Salary Range:

$59,200.00 - $82,600.00

In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

Anticipated Posting Close Date:

Jan 30, 2025

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.

Citigroup Inc. and its subsidiaries ("Citi”) 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 Accessibility at Citi (https://www.citigroup.com/citi/accessibility/application-accessibility.htm) .

View the "EEO is the Law (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/eeopost.pdf) " poster. View the EEO is the Law Supplement (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/OFCCP_EEO_Supplement_Final_JRF_QA_508c.pdf) .

View the EEO Policy Statement (http://citi.com/citi/diversity/assets/pdf/eeo_aa_policy.pdf) .

View the Pay Transparency Posting (https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf)

Citi is an equal opportunity and affirmative action employer.

Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.