WCM Credit Management (CMT) Analyst - Citi Private Bank (Hybrid)

Singapore, Singapore
26 Jan 2023
24 Feb 2023
Job Function
Wealth Management
Industry Sector
Finance - General
Employment Type
Full Time
Wealth Credit Management (WCM) at Citi is a newly formed business line to provide integrated end to end credit underwriting, transaction, and portfolio management in partnership with all the origination businesses of the Private Bank and Wealth Management of Citi. We are looking to hire an experienced professional to contribute and perform a management role with respect to the development and implementation of Credit Management Team (CMT) within Loan Product and Transaction Management in WCM.

CMT will be responsible for supporting multiple aspects of the credit approval process from onboarding to credit data management activities specifically to ensure KYC compliance and quality of the credit data captured. In addition, CMT will provide another level of support as a control function to ensure credit policy and regulatory requirements are followed and addressed appropriately. The team will work closely with credit specialists and team heads to facilitate an efficient credit process.

Key Responsibilities:
  • Ensure compliance with all laws and regulations as well as Citi's Policies and Product Programs impacting the Business.
  • Contribute to the creation of processes, standards, procedures, controls, training, and implementation of function across LPTM and CMT.
  • Work closely with Business Risk & Control team to provide business feedback for MCA results.
  • Capture Credit, Regulatory & Policy driven data attributes in the credit system.
  • Work with the Banking team to ensure loan parties are KYC complaint prior authorizing facility.
  • Rectify any credit data quality issue identified.
  • Verify credit memo information and data captured in credit system for absolute consistency.
  • Ensure appropriate credit approval confirmations are captured.
  • Oversee the CA and facility creation in the credit system.
  • Ensure compliance of client regulatory information prior to the facility authorization.
  • Authorize Credit Facility Availment.
  • Institute and ensure effectiveness of controls and processes to meet internal policies and regulatory requirements/expectations.
  • Work with various stakeholders to remediate identified policy exceptions and any data related matters.
  • Constructively contribute to new and existing policy and regulatory requirements across Global Wealth Management workstreams.
  • Constantly improve processes, controls and efficiencies within the group and front to back at the credit approval stage.

Knowledge, Experience and Skills:
  • Knowledge of Loan Products
  • Good understanding of Credit Memo
  • Knowledge of Citibank's Credit Policies, Product Programs, and Citi policies
  • Familiarity with loan documentation structure
  • Understanding of KYC and AML policies.
  • Strong initiative and interactive approach to problem solving
  • Proven ability to collaborate with team members and senior management both within the lines of business and across multiple stakeholders
  • Highly developed analytical and decision-making capabilities including the ability to identify, escalate, and propose and execute solutions to complex problems
  • Ability to multi-task through the practice of strong organizational and time management skills with experience in continuously following-up with various stakeholders and execution team
  • Experience working with loan underwriters
  • Strong influencing skills and ability to work in an environment where priorities are frequently changing

  • 3+ years of experience in large financial institution is a must
  • Prior experience in working in a control function, credit management or banking/client service role is preferred.
  • Understanding of lending rules and regulations is preferred
  • Undergraduate degree is required
  • Proficient with Microsoft Office Suite (Excel, Word, and PowerPoint)
  • Attention to detail
  • Excellent oral and written communication capability
  • Ability to take initiative and self-motivate
  • Developed analytical and problem-solving abilities
  • Client relationship and solution skills
  • Energetic and responsive team player.
  • Excellent follow-up and time management skills.

Job Family Group:
Private Client Product Services

Job Family:
IF Lending Generalist

Time Type:
Full time

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Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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