Corporate Credit Analyst II

Join Citi's Institutional Credit Management team as a Corporate Credit Analyst II and play a direct role in assessing, underwriting, and monitoring credit risk for major institutional clients across Hong Kong and Taiwan. This role sits within the Credit Underwriting function, providing end-to-end credit analysis and approval support for corporate and public sector relationships spanning corporate banking, services, and markets. You will manage a portfolio that includes large corporate conglomerates and public sector entities, working closely with regional risk and business teams to deliver well-reasoned credit assessments that support Citi's institutional franchise.

Responsibilities

- Conduct end-to-end credit analysis and underwriting for a portfolio of corporate and public sector clients across Hong Kong and Taiwan.

- Prepare annual reviews, quarterly reviews, and ad-hoc transaction assessments to support ongoing portfolio monitoring.

- Draft complete and accurate Credit Approval Memo packages that support timely credit decisions.

- Perform financial spreading, projection modeling, and stress testing to evaluate borrower creditworthiness.

- Analyze industry trends and market conditions to inform credit assessments for large corporate and public sector clients, including major conglomerates.

- Assess risk ratings and evaluate financing and product structures to support sound credit decisions.

- Collaborate with banking, risk, and control functions to manage stakeholder relationships and address portfolio and industry reviews.

- Contribute to strategic initiatives and projects within the Credit Underwriting organization.

Required Qualifications & Skills

- Two to five years of relevant experience in credit analysis, underwriting, or a related risk function.

- Demonstrated experience conducting end-to-end credit analysis, including financial spreading, industry analysis, and credit memo writing.

- Experience managing or supporting large corporate portfolios, including major conglomerates.

- Working knowledge of global credit risk management standards and practices.

- Ability to assess financial and industry data to form sound credit judgments.

- Strong verbal and written communication skills, including active listening.

- Bachelor's degree or equivalent experience.

Beneficial Skills & Qualifications

- Familiarity with local market dynamics, regulations, and competitor practices in Hong Kong and Taiwan.

- Exposure to public sector credit analysis or relationship management.

- Experience navigating complex organizational structures across multiple business segments and geographies.

- Presentation skills suited to engaging audiences of varying sizes and backgrounds.

- Negotiation and conflict-resolution skills across different stakeholder groups.

What We Offer

This team offers strong career development and mobility for analysts looking to build deep expertise in credit analysis and grow within a global institutional risk function.

- Work on complex, high-impact credit analysis spanning corporate and public sector clients, expanding your analytical skillset.

- Build your career through structured learning and development opportunities in credit risk.

- Collaborate with banking, risk, and control teams across regional and global markets.

- Benefit from a hybrid work model with three days in the office and two days working remotely.

- Access resources supporting financial wellbeing and work-life balance.

- Gain exposure to a broad network of stakeholders, building skills that support long-term career growth.

Apply today to build your expertise in corporate and public sector credit analysis and shape risk outcomes for Citi's institutional clients.

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## Job Family Group:
Risk Management
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## Job Family:
Credit Risk
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## Time Type:
Full time
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## Most Relevant Skills
Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.
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## Other Relevant Skills
Constructive Debate, Escalation Management, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
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