Commercial Lending Management Analyst Approver

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Commercial Lending Management Analyst Approver-18067404

Individual Responsibilities / Accountabilities

  • Prioritizes and processes incoming credit requests, checks completion of package received from RM and ensures timely completion of credit underwriting / CA including any interim transaction requests
  • Conduct an objective and thorough credit analysis of the financial condition and credit-worthiness of existing and new to bank borrowers using analysis of historical and projected financial statements, biographical data, market information, credit reports and other data; Identifies key transactional risks & mitigants
  • Raise relevant questions to drive deeper analysis of customers for annual reviews and new underwritings
  • Maintain in depth knowledge of Citi credit and policies and practices and applicable local and US regulations to assist the Business in achieving compliance and satisfactory internal and external audit results
  • Continue to generate ideas for improving lending process efficiency
  • Structuring competitive credit proposals aligned with risk standards and with understanding the client’s strategic and financial objectives/needs
  • Specialize in specific industries and remain current on economic developments by closely monitoring macroeconomic variables and publicly available data about these sectors( For Approver)
  • Analyze portfolio performance through reviews and approvals(For Approver)
  • Make credit decision within established authority(For Approver)

Shared Responsibilities / Accountabilities

  • Work with RM’s in the market on new client on-boarding, underwriting, credit reviews, and annual renewals of existing credit facilities
  • Assist RM’s with the preparation and presentation of materials for credit approvals
  • Work with Independent Risk and Early Warning teams to timely identify and escalate risk issues/ trends. This would include making credit calls on clients.
  • Work with RMs & Risk on preparing CCR for Special Mention names and monitoring triggers and agreed action plans
  • Interface with Peer Review/FCR

Training and Development

  • Complete all relevant training (classroom and/or self-paced)
  • Build and maintain a sound understanding of Citi products, policies and processes (within Commercial Banking and the broader organization)
  • Make presentations internally (such as on credit processes) to build presentation skills
  • Accompany RM’s on customer site visits and meetings to develop sales and negotiating skills. Speak with RM’s before and after client meetings to brief/debrief the interaction to build own knowledge; is prepared to ask pertinent questions during client meetings

  • BA in Business Management, Finance, Economics, Sales/Marketing
  • 2-3 years of relevant work experience in credit risk for analyst and 3-5 years for an analyst who will also be credit approver
  • Strong work ethic
  • Proficient in spreadsheet (Excel) and other office applications
  • Ability to handle high volume, work under pressure and prioritize
  • Ability to propose appropriate credit structure


  • English in spoken and written form
  • Proficient in spreadsheet (Excel) and other office applications
  • Decision taking attitude
  • Ability to lead meetings with clients and ask pertinent questions



22 April 2019
Location: China Shanghai Shanghai
Work type:
Full time
Banking and Financial Services
PLEASE! No enquiries from Recruitment Agencies or Headhunters.

Only direct applications will be considered.

This career opportunity is no longer open.
Please search for current vacancies here.

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