The Credit Analyst 1 - C10 is responsible for conducting credit reviews, approval, and credit monitoring. The overall objective of this role is to manage the exposure of Citi's portfolio to local clients.

Responsibilities:

• Conducts risk assessments and customer credit analyses, reviews financial results and peer reviews, and prepares financial projections;
• Prepares transaction approval and permit memos, conducts due diligence, creates cash flow models, and conducts sensitivity analyses;
• Escalates credit concerns/updates to risk and business managers and proposes risk mitigation measures, continuously staying informed of developments/news related to the portfolio and the covered sector and understanding Citi's credit process, policies and risk appetite;
• Assists in preparing portfolio review and conducting stress tests. Builds working relationships with multiple teams across the bank, including offerings, coverage, and product teams;
• Appropriately assess risks during business related decision making processes, showing particular attention to the company's reputation and the protection of Citigroup, its customers and assets by promoting compliance with applicable laws, rules and regulations, follow the Policy, apply good ethical judgment with respect to personal behavior, conduct and business practices, and forward, manage and report control issues transparently.

Skills and Competencies: 

• Experience in financial analysis, accounting, and valuation;
• Knowledge of accounting and corporate finance, financial modeling, credit and banking products, credit analysis, risk assessment, and transaction execution;
• Consistently demonstrate clear and concise written and oral communication Proven ability to work with little guidance and in a team;
• Capacity to work under pressure and comply with tight deadlines;
• Manages time and priorities effectively;
• Knows when to escalate issues.

Qualifications:

• 0-2 years prior experience in a financial institution with a focus on credit analysis and spreading software;
• Extensive knowledge of GAAP accounting, financial regulations, financial products, and credit analysis;
• Ability to analyze business and personal financial statements with respect to GAAP and Citibank policies.

Education:

• Bachelor's degree/university degree or equivalent experience;
• Fluent in English.  Spanish is a plus;
• Knowledge of MS Suite (Word, Excel, Powerpoint).

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Job Family Group:

Risk Management

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Job Family:

Credit Decisions

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

Credible Challenge, Data Analysis, Laws and Regulations, Management Reporting, Referral and Escalation, Risk Remediation.

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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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