花旗商業銀行

信貸投資組閤中級分析師是一個中級職位，負責與風險管理團隊協調進行信貸審查、信貸審批和監控投資組合以識別信貸遷移。該職位的總體目標是管理花旗對全球客戶和交易對手的投資組合風險。

職責：

• 解決問題並針對中等問題提出解決方案
• 將專業領域知識與對行業標準和實踐以及團隊如何協作以實現子職能/工作族目標的理解相結合
• 擔任行業專家和顧問
• 分析並批准資金交易、交易和融資業務的交易對手授信額度
• 制定基金的風險管理架構與流程
• 為企業和客戶提供有關交易結構的建議並協商信貸條款
• 有能力在有限程度的直接監督下運作。
• 能夠行使獨立判斷力和自主權。
• 充當高級利害關係人和/或其他團隊成員的 SME。
• 在做出業務決策時適當評估風險，特別考慮公司的聲譽，並透過推動遵守適用的法律、規則和法規，遵守政策，對個人行為、行為和行為進行合理的道德判斷，保護花旗集團、其客戶和資產。業務實踐，並以透明的方式升級、管理和報告控制問題。

資格：

• 至少 4-12 年相關經驗
• 財務分析、會計和估值經驗
• 隨時展現清晰簡潔的書面和口頭溝通

教育：

• 學士學位/大學學位或同等經驗

• 至少 4-12 年信用分析/信用風險和信用建議撰寫經驗，涵蓋商業銀行中的中小企業和/或中型企業客戶
• 商業風險分析知識
• 能夠將信用和風險原則應用於業務目標
• 展現綜合和優先排序的能力
• 證明有能力在快節奏的環境中保持井井有條
• 注重細節，多工處理
• 經證實的人際溝通、組織和分析能力

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工作家庭組：

風險管理

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工作類別：

信用與投資組合風險管理

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時間類型：

全職

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 Global Wealth (CGW) brings together the full power of Citi to serve the entire continuum of wealth clients, from affluent to ultra-high net worth to family offices.  The strategies we create help our clients maintain liquidity while maximizing yields, transact in foreign currency and across borders, and manage fluctuating expenses or cash flow.  We are uniquely suited to helping our clients meet their banking needs across regions through our global network.

We’re currently looking for a high caliber professional to join our team as Officer, Consumer Risk, Data Projects, Credit Analyst- Hybrid (Internal Job Title: Credit Portfolio Analyst II - C10) based in Hong Kong.  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.

We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That’s why in early 2020 we began rolling out our expanded Paid Parental Leave Policy to include Citi employees around the world.

We offer our employees resources and tools to volunteer in the communities in which they live and work. In 2019, Citi employee volunteers contributed more than 1 million volunteer hours around the world.

In this role, you’re expected to:

The Credit Analyst II is an intermediate-level position responsible for credit risk management function on retail unsecured lending business, including conducting credit policy formation and reviews, portfolio monitoring  and/or risk migration actions. The overall objective of this role is to manage Citi's credit risk strategy and management in retail lending business.

Responsibilities:

Report to Senior Credit Risk Manager to support data project and risk analysis.

Oversight and manage the data project and make sure it is operating according to expectation

Works with large datasets and complex algorithms to solve data science challenges

Perform regular monitoring & validation on the performance of the unsecured lending portfolios

Ensure all credit processes follow company policies and requirements set out by the local as well as lead regulator through effective execution of control programs such as self-assessment, quality assurance, application audit

Escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action to be taken by staying continuously informed of related developments/news for the portfolio and industry covered and understanding the credit process, policies and Citi's risk appetite

Assist with portfolio review preparation and conducting stress tests

Build working relationships with various teams across the bank, including central data, policy, and product teams

Appropriately assess 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 a successful candidate, you’d ideally have the following skills and exposure:

Qualifications:

Minimum 2-3 years of experience in credit risk analysis in Cards and Unsecured Lending products

Experience in managing regulatory reporting

Proficient in handling mass data and able to interpret results with critical analysis

Consistently demonstrate clear and concise written and verbal communication

Education:

Bachelor or post-graduate degree in Business, Statistics, Data Science or other related quantitative disciplines

Self-initiative, effective communication and interpersonal skills as well as the ability to motivate others, strong sense of compliance awareness

Sound knowledge in SAS programming, data mining and MS Word/Excel/Access/Power-Point is a basic

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 Global Wealth (CGW) brings together the full power of Citi to serve the entire continuum of wealth clients, from affluent to ultra-high net worth to family offices. The strategies we create help our clients maintain liquidity while maximizing yields, transact in foreign currency and across borders, and manage fluctuating expenses or cash flow. We are uniquely suited to helping our clients meet their banking needs across regions through our global network.

Citi Private Bank (CPB) is dedicated to serving the world’s wealthiest individuals and their families.  From 52 locations across 20 countries, we offer our services to more than 14,000 ultra-high net worth clients from nearly 100 nations.  Our clients include entrepreneurs, business leaders, executives, their heirs and families, whom we offer customized services to help protect and responsibly grow their wealth.  Our unique approach focuses on fewer, larger and more sophisticated clients with an average net worth above $100 million.

We’re currently looking for a high caliber professional to join our team as Investment Associate based in Hong Kong.  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.

We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That’s why in early 2020 we began rolling out our expanded Paid Parental Leave Policy to include Citi employees around the world.

We empower our employees to manage their financial well-being and help them plan for the future.

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.

We offer our employees resources and tools to volunteer in the communities in which they live and work. In 2019, Citi employee volunteers contributed more than 1 million volunteer hours around the world.

In this role, you’re expected to:

Help support the senior members of the investment team in their delivery of investment solutions to clients.

Monitor and provide guidance on the markets to internal and external clients, incorporating the views of The Private Bank’s Investment Committee.

Prepare investment policy statements for prospective clients

Analyze economic trends/activities and advise the effects on the investors’ portfolios

Recommend changes to the investors’ holdings after evaluating the economic, financial and market factors and the potential impact on the investors’ portfolios.

Develop relationships and generate ideas with the bankers and clients that will lead to the growth of the asset base

In support of senior team members, engage clients on investment themes and solutions, and assist in the execute of the investment solutions and trades.

Attend internal and external meetings to stay current on financial markets, and products and services offered by Citi Private Bank.

Adhere to a specific prospecting code of conduct, which (1) permits acquiring new private client accounts only by referral or personal contact with an individual seeking to do business and (2) prohibits seminars, mail campaigns, cold calling and any other methods of solicitation.

Appropriately assess 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 a successful candidate, you’d ideally have the following skills and exposure:

Bachelor's/University degree or equivalent experience

2-5 years relevant experience

Bachelor's degree with concentration of economics, finance or business administration; Professional experience or related occupation.

Strong financial background, ability to communicate with co-workers and clients; excellent written and communication skills, able to work without direction, self-motivated

US: S7, S66 (or S63/S65) NOTE: Securities Industry Exam (SIE is a prerequisite to the S7)

業務發展官是策略專業人員，他們隨時瞭解自己領域的發展，並透過考慮在自己的工作和業務中的應用來制定定向策略。業務領域公認的技術權威。需要基本的商業意識。企業內通常有多位人員提供相同程度的主題專業知識。為了指導、影響和說服他人，特別是其他領域的同事和偶爾的外部客戶，需要發達的溝通和外交技能。透過複雜的交付成果對該地區產生重大影響。提供與業務技術或營運相關的建議和諮詢。工作影響整個領域，最終影響子職能/工作族的整體績效和有效性。

職責：

• 利用一切可能的管道尋找優質的新銀行客戶或商業企業，以支援特定的業務成長。
• 管理銷售週期，包括管道開發、盡職調查研究、交易談判和/或結束支援以及專案/計劃管理和實施。
• 負責新客戶獲取的整個過程，從識別潛在客戶、提供客製化的金融服務解決方案到完成設施利用。
• 透過整合數據分析工具和方法的分析技能和知識來分析市場趨勢和市場規模。
• 透過解決可能出現的營運和服務問題，促進客戶入職流程。
• 透過就任何文件缺陷或索取更多資訊的要求與客戶聯絡，致力於準備信用評估並監控風險問題。
• 與高階管理層合作建構和談判更複雜的交易和財務要求。
• 確保嚴格遵守所有 KYC 和 AML 以及其他合規規範。
• 保持對行業和競爭格局的瞭解，並為發現和增強商機提供及時的見解和建議。
• 透過尋找、評估、贏得和結束新的合作夥伴專案來開發和管理與專案相關的內部和外部流程。
• 在做出業務決策時適當評估風險，特別考慮公司的聲譽，並透過推動遵守適用的法律、規則和法規，遵守政策，對個人行為、行為和行為進行合理的道德判斷，保護花旗集團、其客戶和資產。業務實踐，並以透明的方式升級、管理和報告控制問題。

資格：

• 金融、經濟、商業、工程或相關學科學士學位
• 6-10年商業銀行業相關經驗
• 積極與產品和信用審核/批准合作夥伴建立關係的優秀記錄
• 對財資和資本市場產品有紮實的瞭解

教育：

• 學士學位，可能碩士學位

該職位描述對所執行的工作類型進行了高層次的審查。其他與工作相關的職責可以根據需要分配。

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工作家庭組：

商業和商業銷售

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工作類別：

商業業務發展

商業銀行關係經理是一名策略專業人員，他們緊跟著本領域的發展，並透過考慮其在本職工作和業務中的應用來制定定向策略。業務領域公認的技術權威。需要基本的商業意識。企業內通常有多位人員提供相同程度的主題專業知識。為了指導、影響和說服他人，特別是其他領域的同事和偶爾的外部客戶，需要發達的溝通和外交技能。透過複雜的交付成果對該地區產生重大影響。提供與業務技術或營運相關的建議和諮詢。工作影響整個領域，最終影響子職能/工作族的整體績效和有效性。

職責：

• 呼籲客戶加深關係，主動擁有、回應、發現和預測未來的需求、障礙或風險和期望
• 向客戶介紹建立和加強有效投資組合的解決方案；
• 與產品專家和主題專家合作，建立創新和客製化的解決方案，以滿足客戶的個人化需求
• 與個案經理在客戶入職和保留方面密切合作，確保滿足適當的「瞭解您的客戶」（KYC）和其他合規交付成果；
• 識別交叉銷售機會以深化和增加錢包份額；
• 透過主動分享市場更新、趨勢和情報，最大限度地提高客戶體驗；
• 推動我們為客戶提供的解決方案的創新，並在必要和適當的情況下進一步發展我們的業務
• 執行在各個層面（集團、銀行、商業市場和歐洲投資銀行）集中發起的策略性舉措
• 與客戶建立聯繫，以確定新商機的途徑；
• 管理客戶的信用關係，協調和監督整個過程，確保政策和製度流程的正確應用
• 確保始終遵守監管要求和花旗的政策/指南
• 在做出業務決策時適當評估風險，特別考慮公司的聲譽，並透過推動遵守適用的法律、規則和法規，遵守政策，對個人行為、行為和行為進行合理的道德判斷，保護花旗集團、其客戶和資產。業務實踐，並以透明的方式升級、管理和報告控制問題。

資格：

• 6-10年經驗
• 對銀行和投資產品和流程有豐富的瞭解，並擁有向客戶提供良好的銀行和金融建議和解決方案的記錄
• 透過能夠建立更複雜的交易（包括資本市場交易）來展示良好的信用技能
• 展示進階預警偵測技能
• 展現出先進的信用技能；能夠建立所有類型的信貸交易
• 能夠在團隊環境中有效運作
• 能夠協調多功能團隊以提供卓越的客戶體驗。
• 優秀的人際溝通、溝通和影響能力（例如談判、諮詢能力、領導能力）
• 能夠在壓力下工作並做出明智的決定
• 高度專注，能夠快速識別關鍵優先事項，並清楚傳達優先事項
• 積極尋找加強與客戶業務關係的方法，提供簡單、安全且無縫的客戶體驗
• 熱衷於與現有客戶創造新的商機，並能夠展示創新方法來滿足客戶的需求。
• 能夠擁抱新技術並瞭解數位在我們為客戶提供的體驗中所扮演的角色
• 能夠根據最新的數據洞察快速調整優先級

教育：

• 學士/大學學歷，碩士學位優先

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工作家庭組：

商業和商業銷售

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工作類別：

關係管理

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時間類型：

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花旗是一家提供平等機會和平權行動的僱主。

新興公司關係經理是一位策略專業人員，他們緊跟著自己領域的發展，並透過考慮自己在自己的工作和業務中的應用來制定定向策略。業務領域公認的技術權威。需要基本的商業意識。企業內通常有多位人員提供相同程度的主題專業知識。為了指導、影響和說服他人，特別是其他領域的同事和偶爾的外部客戶，需要發達的溝通和外交技能。透過複雜的交付成果對該地區產生重大影響。提供與業務技術或營運相關的建議和諮詢。工作影響整個領域，最終影響子職能/工作族的整體績效和有效性。

職責：

• 呼籲客戶加深關係，主動擁有、回應、發現和預測未來的需求、障礙或風險和期望
• 向客戶介紹建立和加強有效投資組合的解決方案；
• 與產品專家和主題專家合作，建立創新和客製化的解決方案，以滿足客戶的個人化需求
• 與個案經理在客戶入職和保留方面密切合作，確保滿足適當的「瞭解您的客戶」（KYC）和其他合規交付成果；
• 識別交叉銷售機會以深化和增加錢包份額；
• 透過主動分享市場更新、趨勢和情報，最大限度地提高客戶體驗；
• 推動我們為客戶提供的解決方案的創新，並在必要和適當的情況下進一步發展我們的業務
• 執行在各個層面（集團、銀行、商業市場和歐洲投資銀行）集中發起的策略性舉措
• 與客戶建立聯繫，以確定新商機的途徑；
• 管理客戶的信用關係，協調和監督整個過程，確保政策和製度流程的正確應用
• 確保始終遵守監管要求和花旗的政策/指南
• 在做出業務決策時適當評估風險，特別考慮公司的聲譽，並透過推動遵守適用的法律、規則和法規，遵守政策，對個人行為、行為和行為進行合理的道德判斷，保護花旗集團、其客戶和資產。業務實踐，並以透明的方式升級、管理和報告控制問題。

資格：

• 6-10年經驗
• 對銀行和投資產品和流程有豐富的瞭解，並擁有向客戶提供良好的銀行和金融建議和解決方案的記錄
• 透過能夠建立更複雜的交易（包括資本市場交易）來展示良好的信用技能
• 展示進階預警偵測技能
• 展現出先進的信用技能；能夠建立所有類型的信貸交易
• 能夠在團隊環境中有效運作
• 能夠協調多功能團隊以提供卓越的客戶體驗。
• 優秀的人際溝通、溝通和影響能力（例如談判、諮詢能力、領導能力）
• 能夠在壓力下工作並做出明智的決定
• 高度專注，能夠快速識別關鍵優先事項，並清楚傳達優先事項
• 積極尋找加強與客戶業務關係的方法，提供簡單、安全且無縫的客戶體驗
• 熱衷於與現有客戶創造新的商機，並能夠展示創新方法來滿足客戶的需求。
• 能夠擁抱新技術並瞭解數位在我們為客戶提供的體驗中所扮演的角色
• 能夠根據最新的數據洞察快速調整優先級

教育：

• 學士/大學學歷，碩士學位優先

-------------------------------------------------

工作家庭組：

商業和商業銷售

-------------------------------------------------

工作類別：

關係管理

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We want to hear from you if...

You are in your penultimate year of a Bachelor's or Master's degree in any discipline from a top academic institution (graduating between Dec 2024 - June 2025)

Who we think will be a great fit...

We are looking for motivated individuals, who are eager to grow their careers in Investment Banking. Successful candidates take pride in all aspects of their work and recognize that it is a reflection not just of the firm, but of themselves. Openness to diversity is something we highly value, and so should you.

We will also be looking for the following:

* Ability to win and sustain the loyalty of the most demanding institutional clients with confidence and good judgment * Intellectual curiosity and proactive approach to searching for new and creative ideas to implement innovative investment banking strategies

* Enthusiasm for contributing to the Citi community, through teamwork, leadership, and mentoring

* Commitment to their own personal success and the success of the institution as a whole

We provide you with the knowledge and skills you need to succeed.

We are committed to teaching you the ropes of Investment Banking. The 10-week Summer Internship Program will commence with the one-week intensive training program. Depending on country, your program may be rotational or assigned to a particular team. In both cases, your allocations are based on your interests and our needs. Summer Interns are assigned to an industry or product coverage group, where you'll focus on financial analysis and business development.

Your time here will look something like this...

* Collecting & analyzing company information to assist in transactions, including conducting industry research, revising, and organizing financial data

You're the brains behind our work.

If you are ready to bring your knowledge from the classroom to the board room, then Citi can help you get there! Whether in honing your skills or building your network, success will not come easy without growth. Our programs will equip you with the knowledge and training that you will need to play a valuable role in a team and to establish a long-term career here.

At Citi, we value internal mobility, and we provide experiences, support and opportunities people need to move forward. Citi's Institutional Clients Group (ICG) is looking for Summer Analysts to join the Investment Banking team in Asia Pacific Banking, Capital Markets and Advisory (BCMA) Function. The Investment Banking group advises corporate clients who want to raise funds in capital markets and who need strategic support in financial transactions. Initiatives you may be working on with clients include mergers, acquisitions, divestitures, financial restructurings, underwriting, and distributing equity, debt & derivative securities.

If none of these terms make sense right now, that is okay! As an Investment Banking Summer Intern, you will join an intensive training program where you will learn the fundamentals of the Summer Analyst role and the culture here in Citi.

Each applicant can apply to maximum of 3 summer internship programs in APAC region.

Application Deadlines:

First Application Deadline: Sunday, September 17, 2023 - 23:59 SGT

Final Application Deadline: Sunday, November 19, 2023 - 23:59 SGT

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Job Family Group:

Institutional Banking

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Job Family:

Investment Banking