深圳招聘

CLU Analyst

Summary

A CLU analyst contributes to the credit process by working on credit analysis (CA) for new / upgraded credit facilities and also monitors risk issues via CA renewal, Early Warning monitoring and credit assessment on Special Mention names.

Individual Responsibilities & Accountabilities – The CLU Analyst will perform functions mainly related to CA completion and approval on an individual basis

Joint Responsibilities & Accountabilities – The CLU Analyst will work with RMs and Independent Risk for tasks such as CA completion and monitoring risk issues.

Detailed Individual Responsibilities & Accountabilities:

§ Prioritize and timely processes incoming credit requests, checking completion of package received from RM and ensure timely completion of CAs, including any interims.

§ Complete financial spreading (financial spreads for clients at an early prospecting stage should normally be done by RMs themselves).

§ Calculate Risk Ratings, and provides appropriate justification for any overrides.

§ Complete the credit analysis and submits CA package for approval in approved CA Template

§ Approve CA with a Sponsoring Credit Officer with approved credit delegation

§ Maintain an 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.

Detailed Joint Responsibilities & Accountabilities:

Variations, if any to any of the mentioned joint responsibilities below will be jointly approved by the country CCB and CLU Heads.

§ Work with Bankers & Independent Risk to timely identify and escalate risk issues/ trends. Responsibility would include joint EW/credit calls on clients and monitoring triggers and tripwires at a CA level.

§ Assist RM in performing background check on customer with relevant credit agencies, buyers, suppliers and banks.

§ Write credit assessment for Special Mention (or classified) names and monitoring triggers and agreed action plans. RMs will have to provide quarterly inputs for these assessments by contacting clients to obtain key financial and other updates.

§ Assist RM’s with the preparation and presentation of materials for portfolio reviews (e.g. large exposure reviews) and Red Zone reviews at account level. CLU will assist by providing obligor level OSUC, ORR and other such data while the RM will need to write the proposed reasons and remedial action plans for Red Zones, or in the case of large exposure reviews write the credit outlook summary and provide inputs on financial forecasts/projections, and any other key developments since last CA.

§ Maintain credit files (primary owner is RM).

§ Perform MCA testing

关于花旗中国
花旗在中国的历史可追溯至1902年5月，是首家在中国开业的美国银行。2007年4月，花旗成为首批注册成为本地法人银行的国际银行之一。花旗银行（中国）有限公司为美国花旗银行有限公司全资所有。目前，花旗中国在在华国际银行中处领先地位，分别在北京、上海、广州、深圳、天津、成都、杭州、大连、重庆、贵阳、南京、长沙和无锡拥有13家分行，51家零售银行网点。花旗在全球超过160个国家和地区开展业务，是在中国最具有全球性的国际银行。

About Citi China
Citi first established an office in China on May 15, 1902, in Shanghai. In April 2007, Citi was among the first international banks to locally incorporate in China. Citi's locally incorporated entity is known as Citibank (China) Co Ltd, which is wholly owned by Citibank N.A. Today Citi is a leading international bank in China, and has thirteen corporate bank branches - in Beijing, Shanghai, Guangzhou, Shenzhen, Tianjin, Chengdu, Hangzhou, Dalian, Chongqing, Guiyang,
Nanjing, Changsha and Wuxi- and fifty-one consumer bank outlets. With operations in more than 160 countries around the world, Citi is the most global of all international banks in China.