CLU - Credit Portfolio Analyst

Full Time
Junior (less than 3 years)
English, Mandarin (Putonghua)

Job Description

HK - Citi Commercial Bank - CLU - Credit Portfolio Analyst

Location: APAC-HKG-Hong Kong-Hong Kong

We’re looking for a Credit Portfolio Analyst to join our world-class team.

Our Credit Analysts do the critical work of ensuring that the fundamentals of our client solutions are sound. They are the foundation of our Citi Commercial Bank (CCB) business today, and the pipeline from which we’ll grow our next generation of leaders. We nurture their skills and talents over time, giving them opportunities to develop successful careers.

On a daily basis, a Credit Analyst will be responsible for the following:

  • Prioritize and timely processes incoming credit requests, checking completion of package received from RM and ensure timely completion of CAs, including any interims
  • 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
  • Conducting research on prevailing industry and market conditions that are key inputs into the CCB’s business development activities
  • Working closely with Relationship Managers to review credit applications for corporate customers. This includes performing credit and financial analysis and provide recommendations
  • Handle credit enhancement projects and formulate related guidelines and procedures
  • Learning about a broad range of industries and developing a deep level of expertise on Citi’s credit, policies and practices
  • Proactively participating in training and mentorship programs to expand their skill set and network to position themselves for long-term success within the CCB
  • Cultivating their own position as a future leader within the business community, getting involved in local organizations to start building a strong network


Typically, someone in this role has the following experience/background:

  • Degree holder with at least 2 solid years of experience in a credit analyst role in commercial bank lending, remedial management or relationship management
  • The ability to thrive in an entrepreneurial organizational structure and add value by bringing an optimistic, proactive approach to the work they do
  • The ability to go beyond immediate business silos to build their network
  • Confidence and drive to own developing high quality, client ready information with strong attention to detail
  • Strong analytical skills with ability to process and prioritize complex information
  • The resilience to adjust plans and priorities when necessary to meet evolving client and business needs
  • Ability to embrace new technology and understand the role digital plays in the experience we deliver for our clients
  • The ability to communicate effectively with Sales and Risk teams in order to resolve issues in a timely and efficient manner
  • Good command of English and Mandarin

Technical Skills

  • Credit Analysis
  • Relationship Management
  • Training

Transferable Skills

  • Leadership