Know ATS Score
CV/Résumé Score
  • Expertini Resume Scoring: Our Semantic Matching Algorithm evaluates your CV/Résumé before you apply for this job role: Credit Risk Analyst Unsecured Lending (Officer).
Singapore Jobs Expertini

Urgent! Credit Risk Analyst - Unsecured Lending (Officer) Job Opening In Singapore, Singapore – Now Hiring Citigroup

Credit Risk Analyst Unsecured Lending (Officer)



Job description

At Citi, we get to connect millions of people across hundreds of cities and countries every day.

And we've been doing it for more than 200 years.

We do this through our unparalleled global network.

We provide a broad range of financial services and products to our clients – whether they be consumers, corporations, governments or institutions – to help them meet their biggest opportunities and face the world's toughest challenges.

**Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more.

Coverage varies by country**

**We empower our employees to manage their financial well-being and help them plan for the future**

Citi Wealth is an integration of Citi Private Bank and the Consumer Wealth organization into a single business enabling Citi to serve its clients across the wealth spectrum and capitalize on Citi’s industry leading capabilities to support the goal of Wealth, which is to be the leading wealth management provider globally.

The Credit Portfolio Analyst II is an intermediate-level position responsible for monitoring the portfolio to identify credit migration in coordination with the Risk Management team, reporting under Retail Unsecured Team.

The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally.

**Job Responsibilities:**

+ Conduct risk assessments and client credit analyses with supervision.
+ Perform portfolio analysis and monitoring tools using data driven tools.
+ Escalate credit concerns and updates to senior risk and business managers.
+ Support the proposal of risk mitigation actions by staying informed of related developments in the portfolio and industry, and by understanding the credit process, policies, and Citi's risk appetite.
+ Assist with portfolio review preparation and the conduct of stress tests.
+ Build working relationships with various teams across the bank, including product, operations, and other stakeholders.
+ Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets.
+ Support compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency.
+ Provide input into the risk analysis of tools used to monitor Credit Risk Exposure
+ Assist in monitoring credit portfolio limits to ensure compliance with risk appetite limits.
+ Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.
+ Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures.
+ Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.
+ Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization.
+ Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda
+ Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities.
+ Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.
+ Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness.
+ Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements.
+ Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals.
+ Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult
+ Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals.
+ Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi’s clients and the community.
+ Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development.
+ Empathetically listens and understands others’ positions before acting on issues; works to amplify voices that are minimized in the workplace
+ 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 credit risk analysis or corporate banking

+ Working knowledge of various data management tools, eg.

SAS, Python, R, SQL
+ Experience in financial analysis, data management, and reporting.
+ Knowledge of accounting and corporate finance, financial modeling, credit and banking products, credit analytics, risk assessment, and transaction execution.
+ Familiarity with data interpretation and ability to challenge decisions based on data analysis.
+ Basic understanding of various risk factors including stress testing, collateral risk and volatility, concentration risks, liquidity, and wrong way risk, with demonstrated experience in reviewing these factors and challenging any discrepancies.
+ Ability to interpret data, make sound decisions, and challenge the basis of the analysis.
+ Adds value and contributes to the success of the team.
+ Understands and challenge various risk factors including stress testing, collateral risk and volatility, concentration risks, and liquidity.
+ Clear and concise written and verbal communication.
+ Ability to work with little direction and in a team.
+ Problem-solving skills to identify, analyze, and challenge basic problems.
+ Familiarity with risk management software and other relevant technologies.
+ Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment.
+ Familiarity software and other industry-specific tools for efficient data management and analysis.

**Education** :

Bachelor's degree/University degree or equivalent experience

------------------------------------------------------

**Job Family Group:**

Risk Management
------------------------------------------------------

**Job Family:**

Portfolio Credit Risk Management
------------------------------------------------------

**Time Type:**

Full time
------------------------------------------------------

**Most Relevant Skills**

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
------------------------------------------------------

**Other Relevant Skills**

For complementary skills, please see above and/or contact the recruiter.
------------------------------------------------------

_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.



Required Skill Profession

Other General



Your Complete Job Search Toolkit

✨ Smart • Intelligent • Private • Secure

Start Using Our Tools

Join thousands of professionals who've advanced their careers with our platform

Rate or Report This Job
If you feel this job is inaccurate or spam kindly report to us using below form.
Please Note: This is NOT a job application form.


    Unlock Your Credit Risk Potential: Insight & Career Growth Guide


  • Real-time Credit Risk Jobs Trends in Singapore, Singapore (Graphical Representation)

    Explore profound insights with Expertini's real-time, in-depth analysis, showcased through the graph below. This graph displays the job market trends for Credit Risk in Singapore, Singapore using a bar chart to represent the number of jobs available and a trend line to illustrate the trend over time. Specifically, the graph shows 2176 jobs in Singapore and 2021 jobs in Singapore. This comprehensive analysis highlights market share and opportunities for professionals in Credit Risk roles. These dynamic trends provide a better understanding of the job market landscape in these regions.

  • Are You Looking for Credit Risk Analyst Unsecured Lending (Officer) Job?

    Great news! is currently hiring and seeking a Credit Risk Analyst Unsecured Lending (Officer) to join their team. Feel free to download the job details.

    Wait no longer! Are you also interested in exploring similar jobs? Search now: .

  • The Work Culture

    An organization's rules and standards set how people should be treated in the office and how different situations should be handled. The work culture at Citigroup adheres to the cultural norms as outlined by Expertini.

    The fundamental ethical values are:
    • 1. Independence
    • 2. Loyalty
    • 3. Impartiality
    • 4. Integrity
    • 5. Accountability
    • 6. Respect for human rights
    • 7. Obeying Singapore laws and regulations
  • What Is the Average Salary Range for Credit Risk Analyst Unsecured Lending (Officer) Positions?

    The average salary range for a varies, but the pay scale is rated "Standard" in Singapore. Salary levels may vary depending on your industry, experience, and skills. It's essential to research and negotiate effectively. We advise reading the full job specification before proceeding with the application to understand the salary package.

  • What Are the Key Qualifications for Credit Risk Analyst Unsecured Lending (Officer)?

    Key qualifications for Credit Risk Analyst Unsecured Lending (Officer) typically include Other General and a list of qualifications and expertise as mentioned in the job specification. Be sure to check the specific job listing for detailed requirements and qualifications.

  • How Can I Improve My Chances of Getting Hired for Credit Risk Analyst Unsecured Lending (Officer)?

    To improve your chances of getting hired for Credit Risk Analyst Unsecured Lending (Officer), consider enhancing your skills. Check your CV/Résumé Score with our free Tool. We have an in-built Resume Scoring tool that gives you the matching score for each job based on your CV/Résumé once it is uploaded. This can help you align your CV/Résumé according to the job requirements and enhance your skills if needed.

  • Interview Tips for Credit Risk Analyst Unsecured Lending (Officer) Job Success
    Citigroup interview tips for Credit Risk Analyst   Unsecured Lending (Officer)

    Here are some tips to help you prepare for and ace your job interview:

    Before the Interview:
    • Research: Learn about the Citigroup's mission, values, products, and the specific job requirements and get further information about
    • Other Openings
    • Practice: Prepare answers to common interview questions and rehearse using the STAR method (Situation, Task, Action, Result) to showcase your skills and experiences.
    • Dress Professionally: Choose attire appropriate for the company culture.
    • Prepare Questions: Show your interest by having thoughtful questions for the interviewer.
    • Plan Your Commute: Allow ample time to arrive on time and avoid feeling rushed.
    During the Interview:
    • Be Punctual: Arrive on time to demonstrate professionalism and respect.
    • Make a Great First Impression: Greet the interviewer with a handshake, smile, and eye contact.
    • Confidence and Enthusiasm: Project a positive attitude and show your genuine interest in the opportunity.
    • Answer Thoughtfully: Listen carefully, take a moment to formulate clear and concise responses. Highlight relevant skills and experiences using the STAR method.
    • Ask Prepared Questions: Demonstrate curiosity and engagement with the role and company.
    • Follow Up: Send a thank-you email to the interviewer within 24 hours.
    Additional Tips:
    • Be Yourself: Let your personality shine through while maintaining professionalism.
    • Be Honest: Don't exaggerate your skills or experience.
    • Be Positive: Focus on your strengths and accomplishments.
    • Body Language: Maintain good posture, avoid fidgeting, and make eye contact.
    • Turn Off Phone: Avoid distractions during the interview.
    Final Thought:

    To prepare for your Credit Risk Analyst Unsecured Lending (Officer) interview at Citigroup, research the company, understand the job requirements, and practice common interview questions.

    Highlight your leadership skills, achievements, and strategic thinking abilities. Be prepared to discuss your experience with HR, including your approach to meeting targets as a team player. Additionally, review the Citigroup's products or services and be prepared to discuss how you can contribute to their success.

    By following these tips, you can increase your chances of making a positive impression and landing the job!

  • How to Set Up Job Alerts for Credit Risk Analyst Unsecured Lending (Officer) Positions

    Setting up job alerts for Credit Risk Analyst Unsecured Lending (Officer) is easy with Singapore Jobs Expertini. Simply visit our job alerts page here, enter your preferred job title and location, and choose how often you want to receive notifications. You'll get the latest job openings sent directly to your email for FREE!