We are seeking a highly skilled and experienced professional to fulfill this critical role, offering an excellent opportunity for career growth and development within our dynamic organization. The ideal candidate will possess a proven track record in [relevant field/industry], with a minimum of [X years] of hands-on experience in [specific skills or areas]. This position requires a strong aptitude for [key responsibility or skill], along with the ability to [additional requirement], ensuring seamless execution of duties. Responsibilities include [specific task or duty], [another task], and [final task], all of which demand meticulous attention to detail and a results-driven mindset. The successful applicant will collaborate closely with [teams/departments], contributing to [specific goal or outcome], while adhering to [company standards, regulations, or policies]. Exceptional communication skills, both written and verbal, are essential to effectively liaise with stakeholders and convey complex information clearly.
The Credit Analyst serves as an emerging professional tasked with applying specialized knowledge to monitor, evaluate, and analyze processes and data. This role entails identifying policy deficiencies and developing corresponding policies, interpreting findings to provide actionable recommendations, and researching factual information to ensure accuracy. The analyst detects inconsistencies in data or outcomes, defines key business challenges, and proposes solutions to enhance policies, procedures, or operational practices. By integrating established expertise within their specialty area with a foundational grasp of related industry practices, they contribute effectively to team objectives. Demonstrating a working knowledge of sector standards and practices, the Credit Analyst delivers tasks and services that directly influence the team’s performance, with the impact of their contributions primarily confined to internal team dynamics.
Responsibilities:
Accurately prepares and disseminates financial statements for businesses and individuals, as well as business and personal tax returns, promptly and in full compliance with Generally Accepted Accounting Principles (GAAP) and Citibank’s established policies.
Ensure accurate mapping of financial data, ranging from straightforward to intricate credit scenarios, into the bank’s established matrix and analytical tool.
The role involves offering insightful feedback to the Underwriter regarding key financial considerations and may extend to influencing credit structure and loan pricing decisions. Responsibilities may also encompass serving as an industry specialist for a specific sector, facilitating seamless collaboration with Credit Officers and Relationship Managers, and providing expert guidance throughout the application analysis process.
Prepare financial statements—including new, renewal, and interim reports—as well as business and individual tax returns in strict compliance with bank-established guidelines, with a primary emphasis on handling more complex financial statements, such as those for Not-For-Profit entities.
Deliver concise, actionable insights by evaluating data from customers, colleagues, the portfolio, and broader market trends.
Deliver preliminary evaluations of credit requests ranging from straightforward to intricate scenarios, encompassing the computation of cash flow, debt service coverage, collateral coverage, and guarantor net worth.
Collaborate effectively with Credit Officers, Credit Analysts, other Credit Center staff members, and Relationship Managers to ensure seamless communication and alignment across all teams.
Provide guidance to Credit Officers and Relationship Managers regarding the interpretation and oversight of loan agreements and covenants.
Perform comprehensive quality assurance evaluations to verify that application packages and accompanying analyses are meticulously complete and precise before submission to underwriting.
May serve as a subject-matter expert, focusing on the evaluation and analysis of loans for the Small Business Administration (SBA) and the Export-Import Bank of the United States (EXIT).
Appropriately evaluate risk in business decisions, placing special emphasis on protecting the firm’s reputation and safeguarding Citigroup, its clients, and assets. This involves ensuring adherence to applicable laws, rules, and regulations, upholding policy standards, and exercising sound ethical judgment in personal conduct and business practices. Additionally, it includes escalating, managing, and reporting control issues with full transparency.
A bachelor’s degree in a relevant field or a minimum of five years of equivalent professional experience is required. Strong problem-solving skills and the ability to work independently are essential. Proficiency in [specific software/tools] is necessary, and familiarity with industry standards is preferred. Excellent communication skills, both written and verbal, are crucial for collaborating with team members and stakeholders. Attention to detail and a commitment to delivering high-quality work are expected.
Seeking candidates with 0 to 2 years of relevant experience within a financial institution, specializing in credit analysis and the utilization of spreading software.
Accomplished in GAAP accounting principles, financial regulations, instruments, and credit assessment methodologies.
Proficient in evaluating both business and personal financial statements in accordance with Generally Accepted Accounting Principles (GAAP) and Citibank’s established policies.
Education: A bachelor’s degree in a related field is required, with preference given to candidates holding an advanced degree. Equivalent professional experience may be considered in lieu of formal education under certain circumstances. Proficiency in relevant technical skills and industry knowledge is essential, as is a commitment to continuous learning and professional development.
A bachelor’s degree from an accredited university or relevant professional experience of equivalent standing is required.
Qualifications
BA/BSc/HND
Experience Required
0 - 2 years
