**Job Purpose:** Performs credit analyses of Citi existing and prospective clients across Bulgaria, Romania and other Central and Eastern European Countries. **Key Responsibilities:** + Assess the credit and financial strength of Citi's most complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors + Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi's Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite + Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriter, UW Staffer, Risk and BCMA partners + Reviewing and providing recommendation on the risk raking across this sector + Partnership with applicable regional and industry stakeholders in BCMA and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios + Support ICG Risk Analysis Voice of the Employee (VOE) initiatives + Travel (less than 10%) **Qualifications:** + Demonstrable financial services experience, including 3-5 years of credit experience in Banking, Credit Risk Management or equivalent credit experience + Strong knowledge of Wholesale Credit Processes and organizational awareness including credit and underwriting functions, portfolios, and processes + Sound understanding of policies and procedures with the ability to execute change seamlessly + Well-developed analytical skills, including an understanding of key financial components - liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks + Experience in preparing presentations for seniors + Full awareness and adherence to the control environment including Quality Assurance and Quality Control + Fluent English language knowledge + Assists colleagues in identifying stretch opportunities to elevate individual and team performance + Well-developed interpersonal skills, with the ability to build relationships and exert influence with and without direct authority + Good Microsoft Office (Word, Excel, and PowerPoint) skills + BA/BSc or higher degree in Business (MBA), or any other related subject ------------------------------------------------------ **Job Family Group:** Risk Management ------------------------------------------------------ **Job Family:** Credit Decisions ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ _Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._ _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 Citi’s_ _EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy)_ _and the_ _Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)_ _poster._ Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.