CLM Credit Analyst, Citi

CLM Credit Analyst

Citi

Location:

United Arab Emirates, Dubai

Category:

Finance

Contract Type:

Employment contract

Salary:

Not provided

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Job Description:

Join Citi’s Commercial Bank in Dubai as a CLM Credit Officer and contribute to the healthy growth of the credit portfolio. The role involves underwriting, credit approval, risk monitoring, and client relationship management in alignment with global and regional strategies.

Job Responsibility:

Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions, to development of credit approval memos, and senior approval forums
Ensure Credit Approval Memo (CAM) packages are complete and accurate
Continuous assurance of health and appropriateness of the credit clients’ risk profile
Conducting Early Warning and Risk Management activities to take the right actions timely to ensure a healthy risk profile, including classification decisions and credit strategy
Detailed reviews of financial data, projection modeling, stress testing, and perform other in-depth analysis
Responsible for on-time completion of annual reviews, quarterly credit reviews, any ad-hoc reviews of existing customers
Follow the daily market updates and news, internal reports and relate them with assigned credit portfolio/pipeline for analysis
Facilitate relationships with key clients in Banking and Risk and with key control function
Support the MET CLM Head strategic initiatives/projects
Support VOE initiatives

Requirements:

Bachelor’s/University degree in Finance, Banking, Accounting or Economics
5+ years risk/risk-related credit work experience in banking/financial institutions
Excellent written and spoken English and Arabic
Strong knowledge of accounting and its practical application in the credit underwriting process
Strong understanding of the Commercial Banking Business and Market
Experience in effectively engaging with internal control functions including Internal Audit and Fundamental Credit Risk as well as with external audit
Advanced presentation skills – adept at presenting effectively to audiences of various sizes and various constituencies

Nice to have:

Experience in structuring bilateral credit agreements, knowledge on complex credit products
Ability to provide strategic insights and strong sensitivity to macro and regulatory issues, and impact of such issues on various Risk families, including operational and franchise risks
Proven ability to effectively engage with internal control functions including Internal Audit and Fundamental Credit Risk as well as with external audit

What we offer:

Obtaining deep market knowledge through customer visits and market research
Coaching from senior management through daily interaction
Gaining insight to several divisions of the bank
Continuous professional training opportunities

Additional Information:

Job Posted:

March 21, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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