At Citi, we get to connect millions of people across hundreds of cities and countries every day. And we've been doing it for more than 200 years. We do this through our unparalleled global network. We provide a broad range of financial services and products to our clients – whether they be consumers, corporations, governments, or institutions – to help them meet their biggest opportunities and face the world's toughest challenges.
Shape your Career with Citi
Citi’s Banking franchise is organized around three lines of business: Investment Banking, Corporate Banking and Commercial Banking. The unified Banking and International organization oversees the local delivery of the full firm to clients in each of the 95 markets where Citi has an on-the-ground presence.
Citi Commercial Bank (CCB) is a solutions-led business for the demands of mid-sized and emerging corporates.
We’re currently looking for a high caliber professional to join our team as Vice President, Credit Lending Management (Japan) based in Tokyo. Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future. For instance:
- Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country.
- Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses.
- We have a variety of programs that help employees balance their work and life, including generous paid time off packages.
In this role, you’re expected to:
- Appropriately assess credit 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.
- Manage risk levels for the entire credit/valuation spectrum across multiple products and retail formats consistent with program financial goals
- Track and report on initiatives, performance results, emerging trends and opportunities to senior management
- Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards.
- Prepare a detailed written credit summary of commercial applicants requesting credit by analyzing the business, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision.
- Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information.
- Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers in order to assess repayment capacity based on cash flow statements, tax returns, and statements.
- Perform industry and geographical research and other due diligence as needed.
- Maintain a solid understanding of Citibank products and services - within Small Business/Commercial Banking and the broader organization.
- Maintain compliance with Citibank credit policies/practices and regulatory policies, to ensure business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors.
- Assists business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels. Work with management team on prioritization and implementation of approved actions.
- Provide backup support to Credit Underwriting Group Manager, lead projects and initiatives and mentor lower level Credit Officers as needed.
- Other duties as required to support business unit and company goals.
As a successful candidate, you’d ideally have the following skills and exposure:
- 6-10 years previous credit authority experience. Prior experience working in a regulatory and compliance policy environment
- Proven analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry/competitive analysis and projections; including complicated business structures with foreign subsidiaries and/or parent organizations.
- Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
- Excellent organizational skills, multi-tasking capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
- Effective inter-personal and written/verbal communication skills
- Thorough problem recognition and resolution skills
- Pro-active disposition with ability to work autonomously and within a team Proficient in various spreadsheet and word processing applications (Excel and Word), including the use of graphs and charts and financial analysis software
- Typically deals with complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting needs.
- Requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources.
- Exercises wide degree of latitude and discretion.
- Significant impact on the area through complex deliverables.
- Provides advice and counsel related to the technology or operations of the business.
- Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.
- Language: Proficiency in English and Japanese required
- Bachelor’s/University degree, Master’s degree preferred
Working at Citi is far more than just a job. A career with us means joining a family of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.
Take the next step in your career, apply for this role at Citi today
https://jobs.citi.com/dei
-------------------------------------------------
Job Family Group:
Business Strategy, Management & Administration
-------------------------------------------------
Job Family:
Business Administration
------------------------------------------------------
Time Type:
Full time
------------------------------------------------------
Citi is an equal opportunity and affirmative action employer.
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.
Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.
View the "EEO is the Law" poster. View the EEO is the Law Supplement.
View the EEO Policy Statement.
View the Pay Transparency Posting
