Corporate Credit Analyst II

Join Citi's Institutional Credit Management team as a Corporate Credit Analyst II and play a direct role in assessing, underwriting, and monitoring credit risk for major institutional clients across Hong Kong and Taiwan. This role sits within the Credit Underwriting function, providing end-to-end credit analysis and approval support for corporate and public sector relationships spanning corporate banking, services, and markets. You will manage a portfolio that includes large corporate conglomerates and public sector entities, working closely with regional risk and business teams to deliver well-reasoned credit assessments that support Citi's institutional franchise. # Responsibilities * Conduct end-to-end credit analysis and underwriting for a portfolio of corporate and public sector clients across Hong Kong and Taiwan. * Prepare annual reviews, quarterly reviews, and ad-hoc transaction assessments to support ongoing portfolio monitoring. * Draft complete and accurate Credit Approval Memo packages that support timely credit decisions. * Perform financial spreading, projection modeling, and stress testing to evaluate borrower creditworthiness. * Analyze industry trends and market conditions to inform credit assessments for large corporate and public sector clients, including major conglomerates. * Assess risk ratings and evaluate financing and product structures to support sound credit decisions. * Collaborate with banking, risk, and control functions to manage stakeholder relationships and address portfolio and industry reviews. * Contribute to strategic initiatives and projects within the Credit Underwriting organization. # Required Qualifications & Skills * Two to five years of relevant experience in credit analysis, underwriting, or a related risk function. * Demonstrated experience conducting end-to-end credit analysis, including financial spreading, industry analysis, and credit memo writing. * Experience managing or supporting large corporate portfolios, including major conglomerates. * Working knowledge of global credit risk management standards and practices. * Ability to assess financial and industry data to form sound credit judgments. * Strong verbal and written communication skills, including active listening. * Bachelor's degree or equivalent experience. # Beneficial Skills & Qualifications * Familiarity with local market dynamics, regulations, and competitor practices in Hong Kong and Taiwan. * Exposure to public sector credit analysis or relationship management. * Experience navigating complex organizational structures across multiple business segments and geographies. * Presentation skills suited to engaging audiences of varying sizes and backgrounds. * Negotiation and conflict-resolution skills across different stakeholder groups. # What We Offer This team offers strong career development and mobility for analysts looking to build deep expertise in credit analysis and grow within a global institutional risk function. * Work on complex, high-impact credit analysis spanning corporate and public sector clients, expanding your analytical skillset. * Build your career through structured learning and development opportunities in credit risk. * Collaborate with banking, risk, and control teams across regional and global markets. * Benefit from a hybrid work model with three days in the office and two days working remotely. * Access resources supporting financial wellbeing and work-life balance. * Gain exposure to a broad network of stakeholders, building skills that support long-term career growth. Apply today to build your expertise in corporate and public sector credit analysis and shape risk outcomes for Citi's institutional clients. \------------------------------------------------------ ## Job Family Group: Risk Management \------------------------------------------------------ ## Job Family: Credit Risk \------------------------------------------------------ ## Time Type: Full time \------------------------------------------------------ ## Most Relevant Skills Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle. \------------------------------------------------------ ## Other Relevant Skills Constructive Debate, Escalation Management, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. \------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. 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