Are you looking for a career move that will put you at the heart of a global financial institution? Then bring your skills in credit assessment, approval and portfolio monitoring to Citi Commercial Banking (CCB) Western Europe Credit Risk Team.

By Joining Citi, you will become part of a global organisation whose mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress.

Team / Role Overview

CCB is a global line of business at Citigroup that provides commercial banking services to mid-sized companies. CCB aspires to be the global bank of choice for trade-oriented companies, with revenues between $50MM – $2.5Bn with an array of products and services, that include: Lending, Cash Management, Trade, Foreign Exchange, Interest Rate Derivatives and Capital Markets solutions. CCB has operations in more than 20 countries.

The successful candidate will be responsible for the credit approval and credit portfolio management mainly in France as well as other Western Europe countries, reporting directly to CCB Western Europe Risk Head based in Stockholm

What you’ll do

• Strategic professional who will undertake quality judgmental lending including exercising delegated approval authority to ensure that good business opportunities are not lost yet safeguarding the business interests of the Bank.

• Responsible for the financial analysis, risk assessment and credit structure recommendation for cash flow lending products

• Complete in depth analysis of financial data and other information provided by the client and/or banker in the field

• Oversee deal approvals including timing of approvals and turnaround in collaboration with Independent Risk and business partners

• Monitor an assigned credit portfolio and complete periodic reviews; maintain a thorough understanding of the content and aggregate risks within the portfolio, trends and other key statistics

• Execute early warning procedures to promote preventative action where appropriate

• Assist in the development of appropriate procedures around approvals, underwriting, and portfolio functions in consultation with Independent Risk and senior business leaders

• Assist in the development of appropriate credit guidelines around proposed cash flow lending appetite in consultation with Independent Risk

• Assists revenue growth and contains credit losses, while managing risk within credit policy

• Pro-actively reach out to line partners, creating a shared learning environment between remote location and front office

• 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 behaviour, conduct and business practices, and escalating, managing and reporting control issues with transparency.

What we’ll need from you

• Solid credit experience required. The knowledge and experience in French market and language is essential.

• Proven track record of successfully managing credit portfolios in the commercial lending space (Mid & Large Corp)

• Excellent communication and diplomacy skills required in order to negotiate internally, often at a senior level and occasionally with external customers

• Thorough credit and analytical skills, knowledge of credit products

• Effective verbal and written communication skills

• Ability to train, recruit, and mentor teams of professionals; bold in approach and highly collaborative work style.

What we can offer you

This is a role that'll offer you the opportunity to build an in-depth knowledge of assessing, approving and monitoring of Mid and Large Corp in Global Bank. Every day there will be new business challenges that will help you develop new skills that can drive your career.

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Valuing Diversity:

Demonstrates an appreciation of a diverse workforce. Appreciates differences in style or perspective and uses differences to add value to decisions or actions and organizational success.

Citi is an Equal Opportunities Employer

Job Family Group:

Risk Management

Job Family:

Credit Decisions

Time Type:

Full time

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.

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Citi is an equal opportunity and affirmative action employer.

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