Citi Careers

• ICG Risk Analysis (IRAUs) is an integral part of the Institutional Credit Management ("ICM") organization. The IRAU's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to ICG Risk and Banking, Capital Markets and Advisory's (BCMA) shared commitment to ensuring the safety and soundness of wholesale lending across ICG.
• ICG Risk Analysis Credit Risk Analysts are responsible for a portfolio of ICG Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio & Industry Reviews and Stress Testing.
• This role has responsibility for the portfolio of specific industry relationships and the role reports directly to the ICG Risk Analysis (IRAU) Credit Risk Team Lead of the respective industry.

Key Responsibilities:

• Assess the credit and financial strength of Citi's counterparts 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 IRAU Team Leads, ICG Risk and BCMA partners
• 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%)

Knowledge/Experience:

• Fundamental analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues
• Demonstrates basic knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
• Displays basic industry research capabilities, including risk and key drivers
• Basic understanding of Credit Policy and procedures; proactively refers to resources as needed
• Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly

Skills/Competencies:

• Assists colleagues in identifying stretch opportunities to elevate individual and team performance
• Proven culture carrier
• Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority
• Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
• Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
• Microsoft Office (Word, Excel, and PowerPoint) skills

Qualifications:

• BA/BSc or higher degree in Business (MBA), or any other related subject
• 0-2 years relevant experience
• Makes judgments and recommendations based on analysis and specialty area knowledge.
• Researches and interprets factual information

• The Digital Client Support team closely cooperates with Citi Service teams, Bankers and Product teams. Digital Client Support serves as 1st point of contact for corporate and commercial clients. The primary role is to train and provide day to day assistance to clients. The role requires native Romanian and advanced level of English language knowledge. Hungarian, Bulgarian, Czech or Slovak language skill is an asset. The Digital Client Support Specialist is responsible for assisting in customer related activities especially training clients to the various modules and services of Citi's electronic banking platforms, and providing resolution in coordination with the Customer Service teams. The overall objective of this role is to address external customer issues and provide ongoing customer service support via phone and email and logging each client and internal inquiry in Citi's tracking system.

Responsibilities:

• Serve as single point of contact for internal partners and external clients, interacting with key teams to identify and resolve issues
• Ensures customer inquiries are answered in an efficient and timely manner, maintaining compliance with departmental standards
• Conduct necessary analyses to address client needs
• Communicate resolutions to clients
• Develop and maintain client portfolio through regular calls and face to face interaction, as needed
• Inform clients about problems (system failures, market issues) and provide regular resolution updates
• 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.
• Provide training from entry to advanced level of users of Citi's electronic banking platforms
• Prepare generic and client specific training materials
• Serve as single point of contact for internal partners and external clients, interacting with key teams to identify and resolve issues
• Ensures customer inquiries are answered in an efficient and timely manner, maintaining compliance with departmental standards
• Conduct necessary analyses to address client needs
• Communicate resolutions to clients
• 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.

Requirements:

• 2+ years of relevant experience
• Experience in customer service
• Adequate computer user (MS Office)
• Consistently demonstrate clear and concise written and verbal communication
• Proven investigative and analytical skills
• Demonstrated ability to present concepts and influence change
• Consistently deliver high-quality customer service with focus on building client relationship and achieving quality results
• Proven ability to work under limited supervision within a team environment
• Strong Technical background including internet application knowledge
• Strong network/infrastructure knowledge
• Bachelor's degree/University degree or equivalent experience

Benefits:

• Competitive compensation package with a wide range of benefits
• Access to a wide variety of learning and development programs, online course libraires and upskilling platforms, such as Udemy and Degreed
• Flexible work arrangements to support colleagues’ in managing work - life balance
• Continuous career progression opportunities across geographies and business lines
• Inclusive and friendly corporate culture
• Socially active employee communities with diverse networking opportunities

• The Credit Portfolio Analyst II is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally.

Responsibilities:

• Conduct risk assessments and client credit analyses, review financial results and peer analyses and prepare financial projections
• Prepare green-light and transaction approval memos, conduct due diligence, build cash flow models and conduct sensitivity analyses
• Escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action to be taken by staying continuously informed of related developments/news for the portfolio and industry covered and understanding the credit process, policies and Citi's risk appetite
• Assist with portfolio review preparation and conducting stress tests
• Build working relationships with various teams across the bank, including deal, coverage and product teams
• 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:

• 2 years of experience in credit risk analysis or corporate banking
• Experience in financial analysis, accounting and valuation
• Knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution
• Consistently demonstrate clear and concise written and verbal communication
• Proven ability to work with little direction and in a team
• Demonstrated accountability, self-motivation and business acumen

Education:

• Bachelor's degree/University degree or equivalent experience

Responsibilities:

• Expand a portfolio of accounts with varying/complex financial needs with the objective of revenue growth and good credit quality in line with Citi’s credit standards, policies and processes
• Identify customer needs and recommend solutions to address these needs, such as financing, streamlining of cash management operations, foreign currency solutions, etc.
• Cross-sell banking products, including cash management, trade finance, trade services, structured trade products, foreign exchange, commodities, fixed income, loans (including syndicated, bilateral) and capital market products
• Responsible for all credit aspects of the relationship including annual reviews, early problem recognition and remedial management
• 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.
• Compliance / AML responsibility (KYC Renewal) for the portfolio ensuring pristine compliance standards are adhered to across this high AML risk portfolio.
• Support in the coordination & providing input into HMC Governance forums.
• Ensure adequate return on assets that meets hurdle rates on capital
• Ensure compliance with laws, regulations and corporate policies in respective countries of coverage
• Drive a high performance culture through development, coaching and management of Relationship Analyst (RA) team.
• Business travel will be required.

Knowledge / Experience / Qualifications:

• Bachelor or Masters (preferred) Degree in Business, Finance, Economics, Accounting, Engineering, and Maths etc. (other areas of specialization will be considered on a case-by-case basis).
• English proficiency is mandatory, multilingual (French, is beneficial).
• Prior work experience in Citi or other financial services experience in the areas described above (Business, Risk, Banking, and TTS) a strong plus. Minimum of 6-10 years of experience
• Comprehensive knowledge of credit analytics, financial modelling & corporate finance
• Proven expertise in Risk assessment and valuation

Education:

• Bachelor or Masters (preferred) Degree in Business, Finance, Economics, Accounting, Engineering, and Maths etc. (other areas of specialization will be considered on a case-by-case basis).

Personal Attributes

• Self-starter / self -motivated individual
• Independent and strategic thinker
• Strong inter-personal skills
• Ability to prioritize and work under pressure
• Attention to detail
• Flexibility and Openness
• Collaboration/ Teamwork
• Process focus

Skills:

• Entrepreneurial mindset, Business builder with a good track record to prove it.
• Strong communication & presentation skills
• Client Management skills at C-suite level
• Good product and process understanding of TTS/FXLM (including derivatives), DCM/CMO etc.
• Working knowledge of corporate banking products and credit policies/ procedures
• Credit Skills – understanding of financial statements and ability to perform financial analysis/ modelling/ credit appraisals.
• Strong spreadsheet skills

Responsibilities:

• Manage a portfolio of Top Tier Local Corporates and Global Subsidiaries and be responsible for TTS sales origination, cross-sell and retention across the portfolio
• Originate new TTS sales for clients, cross-selling TTS products and services to deepen wallet penetration, revenue realization and expansion, and driving customer satisfaction through quality service delivery
• Primary global or regional point of contact and accountability for TTS sales origination and related activities to clients
• Trusted advisor for the TTS solutions provided to clients and be responsible for overall client satisfaction
• Responsible for growing the TTS P&L of clients and oversee the sales process from origination to revenue realization for assigned clients
• Manage and drive the deal team and work closely with Relationship Managers, TTS Product, Client Delivery and O&T to achieve objectives
• Ensure consistent, professional delivery of all client management disciplines including: account planning, call reporting, lead generation, pipeline management, implementation acceleration, plus TTS relationship reviews
• Cultivate client contacts in the key buying centers that allocate and influence the client’s TTS-related wallet
• Identify client goals & financial needs that can be addressed through the TTS platform
• Identify opportunities for new deals across TTS product set and geographies including multi-product requirements
• Develop and maintain market knowledge through participation in conferences and keeping up to date on market trends affecting clients
• Manage and drive the global / regional teams for each account:
• Champion multi-product and/or cross-regional solutions and pricing through the deal review process (Product Sales will be responsible for overall proposal creation and deal review)
• Ensure global team communication (e.g. call reports, CRM, emails)
• Drive overall client satisfaction with the TTS platform and build customer loyalty
• Respond to customer escalation for operational/customer service issues, including complex or cross-geography issues
• Build a culture of responsible finance, good governance and supervision, expense discipline and ethics
• Appropriately assess risk/reward of transactions when making business decisions; demonstrating proper consideration for the firm’s reputation
• Be familiar with and adhere to Citi’s Code of Conduct and the Plan of Supervision for Global Markets and Securities Services
• 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:

• 6-10 years of experience
• Customer service oriented person with excellent communication skills
• In-depth knowledge of regulations, market practices and bank operations across East Africa
• Demonstrated interpersonal, oral/written communication skills
• Analytical and Advanced problem solving skills
• Independently motivated and resourceful
• A sense of pragmatism and urgency in execution of strategy
• Innate leadership ability to galvanize resources across units
• Product, sales and business management experience.
• People with relevant Banking/Finance/Client Service or relationship management
• Ability to work with broad group of stakeholders

Education:

• Bachelor’s/University degree, Master’s degree preferred

You're the brains behind our work.

• You’re ready to bring your knowledge from the classroom to the boardroom and Citi wants to help you get there. Whether it’s honing your skills or building your network, we know that success can’t come without growth.
• Our Internship programme is a 8-week university vacation internship programme commencing in May for undergraduate university students. The programme offers in-office work experience in Global Subsidiaries Group in Kenya.

We provide you with the knowledge and skills you need to succeed.

• Whether you’ve got prior financial industry experience or not, this internship provides an opportunity to work for one of the world’s largest financial services organisations.  If your internship is successful, you could be considered for one of Citi’s full-time graduate or analyst programmes. 

Your time here will look something like this.

•  Hands on work experience as a member of the team you are selected for
•  Get a solid understanding of the broad range of financial services and products Citi provides
•  Learn to build financial models and develop corporate finance solutions for our clients - we strive to create the best outcomes for our clients with financial ingenuity that simple, creative and responsible solutions
•  Conduct research and analyze industry trends to support our bespoke advice and superior value proposition
•  Participate in client development - Citi aims to be the best banking partner for our clients by delivering differentiated client experiences

We want to hear from you if.

•  We look for highly motivated candidates with a strong work ethic, a positive and proactive mindset, and a firm desire to learn and succeed
•  A keen interest in financial markets and current affairs is critical
•  We value diverse thinking and encourage students from all degree disciplines to consider our opportunities.
•  Studies in Finance, Accounting, Economics, Mathematics, Actuarial Science, Engineering and Information Technology subjects are beneficial but not essential

 You are due to be graduating by summer 2024

•  On course to achieve a 2:1 (or equivalent) at undergraduate level in any degree
•  You have an interest in business
•  You are fluent in a 2nd language (this is desirable but not essential)
•  Applicants to attached their CV, Cover Letter and Updated Academic History

Who we think will be a great fit.

•  Extensive work experience is not a requirement, but dedication to learning and a true passion for the business are vital.  We’ll be looking for the following:
•  Desire to develop a deep understanding of the financial markets and banking industry
•  Analytical and quantitative skills
•  Strong communication, planning and organizational skills
•  Knowledge of the global or domestic business landscape
•  A strong desire to learn and success in team environments
•  Commitment to personal growth and career development

Responsibilities:

• The Facilities Mgmt Country Sr Mgr select and implement best practices and control subcontractors on a national scale.
• Implement and co-ordinate the national Life & Safety programme in co-operation with the local units. Supervise the work of the Country Life & Safety coordinator.
• Comply with Corporate and Local standards and procedures related to construction, sanitary, fire and premises occupation requirements, including requirements on permits and concessions.
• Ensure safe, functional and productive work environment.
• Plan, develop and implement strategies to maximize the value of assets; to ensure effective operation of the buildings infrastructure to fully support the business operating within the portfolio.
• Hold full responsibility for the Profit and Loss (P&L) of the portfolio, establishes and manages the budget.
• Act as prime customer liaison with businesses and outside tenants to facilitate all occupancy needs and requirements which include new project development, corporate real estate services, portfolio analysis, renovation, space planning, relocation or consolidation of operations and disposition of surplus property.
• Manage Project management and ensure all projects are completed on time and within budget.
• Manage the real estate function and recommends transactions to improve the cost effectiveness of the portfolio and improve utilization of existing space.
• Manage the Service desk, the one point of contact for all internal and external requests to ensure quality service and added value to the customers.
• Ensure compliance with legal, regulatory, safety and environmental issues to maximize the value of a property or portfolio of properties.
• Provide safe and comfortable environment in all locations through regional asset managers, who employ a network of matrix support personnel, including engineers, building systems professionals, cleaning and other support staff.
• Oversee the Procurement and General Services
• Communicate at a senior level with other internal support organizations including Technology, HR to ensure transparent, "one-stop" services to the customer.
• Ensure that all processes in the area are compliant with the Citigroup corporate rules and standards as well as external regulations.
• Execute other responsibilities and activities defined in the Department's Organizational Rules and Regulations.
• Compliance: ensure that people management related tasks are executed in the entire department in accordance with Citi policies and procedures, complying with statutory regulations and laws (e.g. recruitment, work orders, managing performance, etc.).
• Engagement: take ownership for the managed team and implement Citi people management practices to ensure excellent employee experience in the course of the entire employee lifecycle (e.g. regular team and individual dialogues, training, coaching, other development opportunities, "Voice of Employee" actions, etc.) Keep unit managers accountable for their managed teams.
• Ensure that each unit manager has a properly trained back-up or a back-up potential "in-training" within the unit.
• 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, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.

Qualifications:

• 6-10 years relevant experience
• Comprehensive knowledge and expertise of building systems
• Broad knowledge and understanding of real estate disciplines (architecture, construction, space planning, and engineering, etc.)
• Comprehensive knowledge of and understanding of Finance principles in order to manage the P&L of the assets.
• Knowledgeable of real estate law and related documents (contracts, deeds) coupled with the ability to apply them to complex business situations.
• Assessment, planning and work organisation skills

Education:

• Bachelors degree, potentially Masters degree

Responsibilities

You're the brains behind our work.

• Citi is looking for fresh graduates to join the team in various locations across the Middle East and Africa region.
• The Middle East Africa (MEA) Analyst Program begins in July with a 3-week training program in Dubai. Formal training begins with an orientation and induction sessions providing an overview of Citi, followed by classroom training sessions. Analysts have the opportunity to meet representatives from multiple business areas as well as network with other Analysts from across the region.
• The classroom training program is followed by 4 x 3-month rotations across various business areas of Citi, including Treasury and Trade Solutions (TTS), Corporate Bank, Operations & Technology (O&T), and Risk. In some countries, the Risk rotation will be replaced by another business area.
• For the MEA Analyst Program, we have offices and potential opportunities in Algeria, Bahrain, Cameroon, Congo, Cote d'Ivoire, Egypt, Jordan, Kenya, Kuwait, Kazakhstan , Israel, Lebanon, Morocco, Nigeria, Pakistan, Qatar, South Africa, Tanzania, Tunisia, Turkey, Uganda and Zambia.
• The link you have selected is for the Middle East Africa Analyst Program within Kenya.

We provide you with the knowledge and skills you need to succeed.

• During your training program in Dubai, you will receive an in-depth education on a variety of topics to learn the fundamentals of the Analyst role. These topics can include training in financial statements, credit analysis, treasury and operations.
• You will also have the opportunity to network with senior representatives from multiple business areas who will introduce you to Citi and its culture. So whatever your degree is in, we will give you the training you need to excel. Upon successful completion of the program, you can apply for full-time opportunities within the Citi network via our internal mobility opportunities.

Your time here will look something like this.

• The jobs that you will do and the responsibilities that you will be given will be as varied as your rotations. Below are some examples of the tasks the Analyst may be performing during their rotations. These are only examples - you will also often find yourself working on unique projects and process improvements.

 Corporate Bank

•  Source and create pitch and marketing material, liaising with product partners and the Bankers.
•  Maintain regular and frequent dialogue with product partners to assist with relationship maintenance.
•  Assist in managing the Corporate Banking relationship infrastructure, including approvals and documentation.
•  Produce and update client plans in conjunction with product partners and bankers.
•  Collaborate within the team to manage the portfolio and individual client risk.
•  Interact with Citi’s network around the region

 Treasury and Trade Solutions (TTS)

•  Develop an understanding of the cash, trade and sales products and processes.
•  Track market developments across the region and share geopolitical, economic and banking industry trends that may affect the business with a consultative approach.
•  Prepare and analyze financials while ensuring actuals and run-rated projections meet the business plans.
•  Liaise with partners across TTS to capture key client and product pipelines/wins are to be showcased in business reviews.

 Risk

•  Develop an understanding of and be able to apply at an Analyst level: Risk reporting, spreading, risk ratings, Corporate/FI/Public Sector Credit Analysis writing and stress testing.
•  Understanding projections, scenarios, assumptions and variance analysis.
•  Reading and interpreting cash flow statements, balance sheet, income statements etc.
•  Taking part in client calls / site visits.
•  Understanding regulatory requirements and impact on the organization.

 Operations & Technology (O&T)

•  Develop a good understanding and appreciation of the operations processes. Understand the functions carried out within the subunits of operations.
•  Analyze volumes, address & resolve issues, identify wasteful activities and suggest improvements that can save cost/time/improve processes.
•  Understand workflow, key controls and key risks linked to various products. Accurately evaluate risks as they relate to key business objectives. Assess the effectiveness of key controls.
•  Develop an understanding of the impact of regulatory and financial impacts on the organization.

We want to hear from you if.

• You will have or will be graduating by 2023 as the programme starts in the Summer 2023
• Obtained or on course to achieve a 2:1 (or equivalent) at undergraduate level in any degree discipline.
• You have an interest in business
• You are fluent in a 2nd language (this is desirable but not essential)

A dedication to learning and a true passion for the business are vital. As industries all over the globe continue to restructure and grow, we are hiring professionals who have a global perspective on the future of banking, and want to make an impact on the corporate level. We value diversity and so do you.

Who we think will be a great fit.

We'll also be looking for the following:

• Commitment to personal growth and career development, a strong desire to learn, and success in team environments
• Knowledge of the global or domestic business landscape is a plus, but not required
• Strong communication, planning, and organizational skills
• Desire to develop a deep understanding of the financial industry
• Unquestioned commitment to integrity ethical decision-making
   

Responsibilities:

• Work closely with senior bankers to provide overall relationship management support
• Provide a wide range of treasury and corporate finance solutions, including day-to-day cash management, trade, vendor finance, foreign exchange, loans, debt capital markets (fixed income and bank), share repurchase, and interest rate and equity derivatives
• Support bankers in cross-selling Citi’s full spectrum of products and services to generate revenue by identifying and responding to customers’ financial, advisory, transactional needs
• Conduct marketing and execution activities in coordination with Bankers, Relationship Analysts and Associates, Citi’s international offices and product/investment banking partners
• Responsible for developing an understanding of all credit, transactional and franchise risks in coordination with senior coverage officers to facilitate deal execution and risk mitigation processes, including the preparation of credit approvals, obtaining Capital and Risk approvals, and supervising transaction return calculations
• Evaluate public filings, research reports, operations, business plans and financial forecasts to produce strategic and financial analyses
• Continuously stay informed of best practices and market and industry trends
• 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:

• 5-8 years of experience
• MBA or Master's Degree in Business preferred
• Proven and progressive related lending/credit experience or equivalent product experience
• Demonstrated credit skills, including a background in credit
• Experience with large corporate clients, capital markets products, derivatives, credit, cash management, trade, finance and securities products preferred
• Comprehensive knowledge of Corporate Banking business including related products, pertinent regulations and the lending and credit approval process
• Consistently demonstrate clear and concise written and verbal communication
• Demonstrated planning, negotiation, organizational and analytical skills

Education:

• Bachelor's degree/University degree or equivalent experience