Job Overview: We are seeking a highly motivated professional to join our team as a [Job Title]. The ideal candidate will possess a minimum of [X] years of relevant experience in [field/industry], along with a proven track record in [specific skill or responsibility]. Proficiency in [specific software/tool] is essential, and familiarity with [industry-related concepts] is strongly preferred. The successful applicant will be responsible for [key responsibility 1], [key responsibility 2], and [key responsibility 3], while also collaborating closely with cross-functional teams to [specific outcome]. Strong analytical, problem-solving, and communication skills are required to excel in this role. A bachelor’s degree in [relevant field] is mandatory, and any applicable certifications in [specific area] are advantageous. This position offers opportunities for professional growth within a dynamic and innovative environment.
The Credit Analyst serves as an emerging professional within the organization, leveraging specialized expertise to oversee, evaluate, and interpret processes and data. This role involves identifying policy deficiencies and developing strategic solutions, as well as analyzing information to deliver actionable recommendations. The position requires thorough research and interpretation of factual data, alongside the ability to detect discrepancies in results, define operational challenges, and propose enhancements to policies, procedures, or practices. The role integrates established disciplinary knowledge within the specialty area while incorporating a foundational grasp of broader industry practices. A solid comprehension of team dynamics and interdependencies is essential for achieving departmental objectives. Additionally, the Credit Analyst expands their expertise by acquiring a working knowledge of industry standards and best practices. While the role has a limited but direct influence on business outcomes through the precision and quality of its deliverables, its broader impact remains confined to the immediate team.
Responsibilities:
Accurately prepares and disseminates business and personal financial statements, as well as business and individual tax returns, in a timely manner and in strict adherence to Generally Accepted Accounting Principles (GAAP) and Citibank’s established policies.
Ensure accurate mapping of financial data for both straightforward and intricate credit applications into the bank’s established matrix and analytical framework.
Delivers insightful observations to the Underwriter regarding key financial data and may contribute to credit structure and loan pricing decisions. Additionally, serves as an industry specialist for designated sectors and collaborates effectively with Credit Officers and Relationship Managers to support application analysis.
Prepare and distribute new, renewal, and interim financial statements as well as business and individual tax returns, adhering strictly to established bank protocols—with particular emphasis on handling more intricate financial documents, such as those for Not-For-Profit entities.
Conduct concise evaluations drawing from customer insights, peer perspectives, the portfolio, and industry trends.
Perform initial evaluations of credits ranging from straightforward to intricate, encompassing assessments of cash flow, debt service coverage, collateral coverage, and guarantor net worth.
Liaise collaboratively with Credit Officers, Credit Analysts, other team members within the Credit Center, and Relationship Managers to ensure seamless communication and alignment of objectives.
Provide expert guidance to Credit Officers and Relationship Managers regarding the interpretation and oversight of loan agreements and associated covenants.
Conduct comprehensive quality assurance reviews to verify the thoroughness and accuracy of application packages and analyses before submission to underwriting.
May serve as an industry specialist, tasked with conducting in-depth SBA and EXIT loan analyses.
Appropriate risk assessment is essential in all business decisions, with a primary focus on protecting Citigroup’s reputation and assets while safeguarding clients. This involves ensuring strict compliance with relevant laws, regulations, and internal policies, applying ethical judgment to personal conduct and business practices, and proactively escalating, managing, and transparently reporting any control issues that arise.
The ideal candidate will possess a bachelor’s degree in a relevant field, along with at least three years of professional experience in a similar role. Proficiency in industry-standard software and tools is essential, as is the ability to work both independently and collaboratively in a fast-paced environment. Strong analytical, communication, and problem-solving skills are required to effectively contribute to project success and team objectives.
Seeking candidates with 0 to 2 years of professional experience within a financial institution, specifically in credit analysis and the use of spreading software.
Proficiency in Generally Accepted Accounting Principles (GAAP), financial regulations, financial products, and credit analysis is required.
Proficient in evaluating business and personal financial statements in accordance with Generally Accepted Accounting Principles (GAAP) and Citibank’s established policies.
Education: Applicants must possess a bachelor’s degree in a related field from an accredited institution. A master’s degree or higher is preferred for advanced roles. Relevant certifications or specialized training may also be required or advantageous.
A bachelor’s degree or its equivalent from an accredited university is required.
Qualifications
BA/BSc/HND
Experience Required
0 - 2 years
