CrawlJobs Logo
Citi Logo Citi · IT - Administration

Credit Analyst - Officer

India, Mumbai · Job Posted July 14, 2026
Apply Position
Job Link Share

Job Description

Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi’s institutional clients. ICM’s objective is to provide integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise. Within ICM, the Credit Underwriting function (“ICM UW” or “UW”) provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking, Services, and Markets relationships. ICM Credit Risk Analysts are responsible for a portfolio of relationships across Large Corporates in Korea, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of annual reviews, quarterly reviews, and the support of ad-hoc transactions and portfolio & industry reviews and stress testing, in partnership with Senior Underwriter, Korea Banking team and Risk. This role reports to Senior Vice President.

Job Responsibility

  • Executes, aligned with global and regional strategies, all responsibilities regarding underwriting, including, but not limited to: Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions to development of credit approval memos
  • Drafting of Credit Approval Memo (CAM) packages including but not limited to ensuring they are complete and accurate
  • Conducting initial financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis
  • Support relationships with key stakeholders in Banking and Risk and with key Regulators, Internal Audit, and control functions
  • Support ICM Underwriting organization on strategic initiatives /projects as required
  • Experience in and exposure to global credit risk management standards
  • Ability to understand financing and product structures
  • Ability to assess financial and industry data to conduct credit assessment
  • Able to discuss and address issues associated with the allocation of risk assets and risk capital in partnership with stakeholders and product organizations
  • Ability to understand nuances of local markets, local regulation, and the capabilities and practices of competitors
  • Navigates organizational complexity and breaks silos
  • Creates and sustains a network of strong partnerships with the business in all segments & geographies and other risk functions
  • Provides well-reasoned, balanced assessments of risk/return trade-offs associated with transactions and client relationships

Requirements

  • 2-5 years relevant experience
  • Experience in effectively engaging with various functions
  • Demonstrates strong ethics and integrity
  • Ability to understand the ‘big picture’ in a complex environment
  • Strong verbal & written communication skills. Active listening skills
  • Demonstrated influencing and negotiating ability, resolve conflicts amongst various constituencies
  • Proficient presentation skills – adept at presenting effectively to audiences of various sizes and various constituencies
  • Bachelor’s/University degree or equivalent experience
Citi - All Job Offers

Looking for more opportunities?

Search for other job offers that match your skills and interests.

Suggested Tags: Frontend Developer Secretary Talent Manager Salesforce Administrator Data Analyst
Similar Jobs for

Credit Analyst - Officer

8 matching positions

Credit Analyst - Officer

Citi continues to enhance its business control and governance framework by build...
Location
Location
India , Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Post Graduate degree in Finance, Commerce, Accounting, or related discipline (MBA, CA, CFA, etc.)
  • 2–4 years of experience in credit analysis, audit, or financial research (internships acceptable)
  • Good understanding of financial statements and key ratios
  • Knowledge of financial modeling concepts
  • Strong Excel and PowerPoint skills
  • Analytical mindset and attention to detail
  • Eagerness to learn credit processes and policy frameworks
  • Team collaboration and clear communication skills
  • Organizational skills with ability and willingness to work under pressure and manage time and priorities effectively
Job Responsibility
Job Responsibility
  • Support in preparing financial models and Company valuations using standard approaches (comparable company analysis, precedent transactions, etc.)
  • Assist in drafting credit notes, memos, and financial assessments under supervision
  • Spread financial statements in accordance with bank guidelines including calculation of cash flow, debt service coverage, collateral coverage, and guarantor net worth
  • Track operating and financial performance, prepare quarterly monitoring reports, and update key portfolio metrics
  • Conduct Ratio analysis, and write operating performance commentary
  • Ensure accurate recordkeeping and compliance with internal credit policies and procedures
  • Coordinate with internal teams for data collection, documentation, and audit requirements
  • Co-manage of accounts with internal partners
What we offer
What we offer
  • Access to telehealth options, health advocates, confidential counseling and more
  • Expanded Paid Parental Leave Policy
  • Access to an array of learning and development resources
  • Generous paid time off packages
  • Resources and tools to volunteer in the communities in which they live and work
  • Fulltime
Read More
Arrow Right

ICM Underwriting Credit Analyst, Officer

ICM Credit Analyst is a developing professional role. Deals with most problems i...
Location
Location
China , Shanghai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 2-5 years previous experience in a financial institution with a focus on credit analysis
  • Extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, financial regulations, financial products, and credit analysis
  • Fluent written and verbal English
  • Bachelor’s/University degree or equivalent experience
Job Responsibility
Job Responsibility
  • Spread new, renewal, interim financial statements and business/individual tax returns in accordance with bank guidelines (focus on local subsidiaries of multinational companies (MNC)
  • Provide succinct analysis based on customers, peers, the portfolio, and the industry
  • Provide preliminary analysis of simple to complex credits, including calculation of cash flow, debt service coverage, collateral coverage, and guarantor net worth
  • Coordinate with the Credit Officers, Credit Analysts, Other Credit Center Staff and Relationship Managers
  • Act in an advisory role for the Credit Officers/Relationship Managers on loan agreement/covenants clarification and monitoring
  • Complete quality assurance reviews to ensure application packages and analysis are thorough and accurate prior to forwarding for underwriting
  • Provide leadership, training, and coaching to Credit Analyst I positions and back up support to the team manager
  • 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
  • Fulltime
Read More
Arrow Right
New

Credit Intermediate Analyst, Officer

Whether you're building on early career experience or taking your next step in f...
Location
Location
Philippines , City of Taguig, Metro Manila
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 2-5 years of experience in banking, finance, accounting, or a related financial services field
  • Bachelor's degree in Finance, Accounting, Economics, Business, or a closely related discipline
  • Working knowledge of financial statements and core accounting concepts, with the ability to apply this to credit analysis tasks
  • Clear and professional written and verbal communication skills in English, including the ability to convey complex or sensitive information across global teams
  • Demonstrated ability to manage multiple tasks independently, apply sound judgment, and maintain strong attention to detail in analysis and reporting
Job Responsibility
Job Responsibility
  • Prepare credit analysis and underwriting materials for new and existing clients, contributing to first-line credit assessments across commercial and institutional portfolios
  • Conduct financial statement and cash flow reviews to support underwriting recommendations and credit approval documentation
  • Monitor assigned portfolio performance, including covenant tracking and periodic financial reviews, to identify and escalate emerging risk indicators
  • Assist in preparing quarterly and annual credit reviews, ensuring accuracy and timeliness in all documentation and reporting
  • Support the processing of credit renewals, amendments, and related transactions by coordinating documentation across internal teams
  • Collaborate with global stakeholders across Credit, Banking, and Risk to support the execution of credit processes and cross-functional workflows
  • Build knowledge of commercial banking products, credit structures, and industry dynamics through active participation in training and on-the-job development
What we offer
What we offer
  • Hybrid working model — 3 days in the office and 2 days working remotely, giving you flexibility and balance
  • Extensive on-the-job training, exposure to senior leaders, and structured learning programs to accelerate your development in credit and commercial banking
  • Access to a broad range of learning and development resources to help you deepen your skills as your career progresses
  • Wellbeing support including telehealth options, health advocates, and confidential counselling services
  • Expanded Paid Parental Leave Policy, supporting all parents with time to adjust to parenthood and bond with their families
  • Tools and resources to manage your financial wellbeing and plan confidently for the future
  • Generous paid time off and programmes that support a healthy balance between work and life
  • Volunteering opportunities and resources to make a positive impact in your local community — Citi employee volunteers contributed more than 1 million hours globally in 2019
  • Fulltime
Read More
Arrow Right

Credit Intermediate Analyst, Officer

Whether you're building on early career experience or taking your next step in f...
Location
Location
India , Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 2-5 years of experience in banking, finance, accounting, or a related financial services field
  • Bachelor's degree in Finance, Accounting, Economics, Business, or a closely related discipline
  • Working knowledge of financial statements and core accounting concepts, with the ability to apply this to credit analysis tasks
  • Clear and professional written and verbal communication skills in English, including the ability to convey complex or sensitive information across global teams
  • Demonstrated ability to manage multiple tasks independently, apply sound judgment, and maintain strong attention to detail in analysis and reporting
Job Responsibility
Job Responsibility
  • Prepare credit analysis and underwriting materials for new and existing clients, contributing to first-line credit assessments across commercial and institutional portfolios
  • Conduct financial statement and cash flow reviews to support underwriting recommendations and credit approval documentation
  • Monitor assigned portfolio performance, including covenant tracking and periodic financial reviews, to identify and escalate emerging risk indicators
  • Assist in preparing quarterly and annual credit reviews, ensuring accuracy and timeliness in all documentation and reporting
  • Support the processing of credit renewals, amendments, and related transactions by coordinating documentation across internal teams
  • Collaborate with global stakeholders across Credit, Banking, and Risk to support the execution of credit processes and cross-functional workflows
  • Build knowledge of commercial banking products, credit structures, and industry dynamics through active participation in training and on-the-job development
What we offer
What we offer
  • Hybrid working model — 3 days in the office and 2 days working remotely, giving you flexibility and balance
  • Extensive on-the-job training, exposure to senior leaders, and structured learning programs to accelerate your development in credit and commercial banking
  • Access to a broad range of learning and development resources to help you deepen your skills as your career progresses
  • Wellbeing support including telehealth options, health advocates, and confidential counselling services
  • Expanded Paid Parental Leave Policy, supporting all parents with time to adjust to parenthood and bond with their families
  • Tools and resources to manage your financial wellbeing and plan confidently for the future
  • Generous paid time off and programmes that support a healthy balance between work and life
  • Volunteering opportunities and resources to make a positive impact in your local community
  • Fulltime
Read More
Arrow Right

Credit Analyst – Securitization - Officer

The Credit Risk Analyst position will hold a role within the Real Estate & Struc...
Location
Location
India , Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 1-3 years of credit, portfolio management or product experience (preferably in structured finance/securitization) in a financial institution, rating agency, financial guarantor or asset management firm
  • Good analytical skills to filter, prioritize and validate potentially complex material from multiple sources
  • Knowledge of wholesale loan (syndicated / bilateral) product and business, including an understanding of legal loan documentation, loan / funding mechanics, deal structure, funds flows, etc.
  • Excellent organizational skills, prioritizing capabilities, attention to detail, and ability to complete assignments within required deadlines in a fast-paced environment
  • Pro-active disposition with ability to work autonomously and within a team
  • Creative thinker adept at taking an analytical approach to problem solving
  • Strong attention to detail for reviewing credit agreements / legal documents
  • Excellent oral and written communications skills
  • Strong Microsoft Office skills
  • Bachelor’s/University degree or equivalent experience
Job Responsibility
Job Responsibility
  • Ensure strong analysis of the assigned portfolio ensuring consistencies with industry leading practices and compliance with all internal risk policies, standards and procedures
  • Assist analysts and associates to perform periodic monitoring of the portfolio
  • Ensure maintenance of organized credit files for credit, regulatory and compliance purposes and ensuring compliance with WCR policies and processes
  • Analyse the credit risk by performing tasks that includes reviewing deal documents & legal documentation
  • Prepare credit approval memos analysing the risk associated with the collateral quality
  • Analyse periodic data & report for any discrepancy in the data
  • Collect, organize and analyse data from internal and external sources
  • Enhance efficiency through automation & technical skills
  • Maintain regular and open communication with internal as well as external team members on various tasks
  • Understand the domain and implement quick fix solutions to align the development activities with dynamic business needs
  • Fulltime
Read More
Arrow Right

Officer, Credit Operations Data Analyst

At Citi, we get to connect millions of people across hundreds of cities and coun...
Location
Location
Philippines , City of Taguig, Metro Manila
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Desirably 3 years of collections, analytics of project management experience
  • Project Management skills
  • Strategic and Analytical Thinking and Input
  • Background/experience on numerical and data analysis
  • Experience in SAS programming is an advantage
Job Responsibility
Job Responsibility
  • Provide MIS & analytics to Credit Operations in the area of client onboarding, collections strategy and fraud management
  • Ensure timely delivery and accuracy of key Credit Ops MIS such as Operating Reviews, performance and productivity reports.
  • Work with Risk Management in developing and implementing Collections strategies. Provide strong control and close monitoring of collections performance during A/B testing.
  • Conduct analyses and assist in continuous improvement of existing collections strategies across buckets through introduction and modification of A/B strategies. Participate in development and implementation of the best-of-breed analytical tools and methodologies including Collections Scorecard, Bureau Information, etc. to assist overall improvement in the Collections Management
  • Provide Credit Operations with required data, conduct analytics in managing risk, growing profits and reducing costs
  • Work with International Collections Team, Digital Growth & Technology teams in the evaluation and roll-out of new/upcoming tools to increase digital offloading and automation in the collections function
What we offer
What we offer
  • Programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more
  • Expanded Paid Parental Leave Policy
  • Empower employees to manage their financial well-being and help them plan for the future
  • Access to an array of learning and development resources
  • Generous paid time off packages
  • Resources and tools to volunteer in the communities in which they live and work
  • Fulltime
Read More
Arrow Right

Officer, Credit Operations Data Analyst

Working at Citi is far more than just a job. A career with us means joining a te...
Location
Location
Philippines , City of Taguig, Metro Manila
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Desirably 3 years of collections, analytics of project management experience
  • Project Management skills
  • Strategic and Analytical Thinking and Input
  • Background/experience on numerical and data analysis
  • Experience in SAS programming is an advantage
Job Responsibility
Job Responsibility
  • Provide MIS & analytics to Credit Operations in the area of client onboarding, collections strategy and fraud management
  • Ensure timely delivery and accuracy of key Credit Ops MIS such as Operating Reviews, performance and productivity reports
  • Work with Risk Management in developing and implementing Collections strategies
  • Provide strong control and close monitoring of collections performance during A/B testing
  • Conduct analyses and assist in continuous improvement of existing collections strategies across buckets through introduction and modification of A/B strategies
  • Participate in development and implementation of the best-of-breed analytical tools and methodologies including Collections Scorecard, Bureau Information, etc. to assist overall improvement in the Collections Management
  • Provide Credit Operations with required data, conduct analytics in managing risk, growing profits and reducing costs
  • Work with International Collections Team, Digital Growth & Technology teams in the evaluation and roll-out of new/upcoming tools to increase digital offloading and automation in the collections function
What we offer
What we offer
  • Programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more
  • Expanded Paid Parental Leave Policy
  • Resources to manage your financial well-being and help plan for the future
  • Access to an array of learning and development resources
  • Variety of programs that help employees balance their work and life, including generous paid time off packages
  • Resources and tools to volunteer in the communities
  • Fulltime
Read More
Arrow Right

Credit Portfolio Analyst - Global Subsidiaries Group, ICM - Officer

The Credit Analyst 1 is a developing professional role. Applies specialty area k...
Location
Location
China , Shanghai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 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
  • Bachelor’s/University degree or equivalent experience
Job Responsibility
Job Responsibility
  • Accurately spreads business and personal financial statements and business and individual tax returns on a timely basis and in accordance with Generally Accepted Accounting Principles (GAAP) and Citibank policies
  • Ensure that financial data for simple to complex credits are mapped appropriately into the bank's matrix and analysis tool
  • Provides comments to the judgmental Underwriter on significant items in the financials and may be involved in credit structure and loan pricing
  • Additional responsibilities may include being a specialist for a designated industry and the effective interaction with Credit Officers and Relationship Managers while providing assistance regarding the analysis of the applications
  • Spread new, renewal and interim financial statements and business and individual tax returns in accordance with bank guidelines (focus on more complex financial statements (i.e. Not-For-Profit))
  • Provide succinct analysis based on customers, peers, the portfolio, and the industry
  • Provide preliminary analysis of simple to complex credits, including calculation of cash flow, debt service coverage, collateral coverage, and guarantor net worth
  • Coordinate with the Credit Officers, Credit Analysts, Other Credit Center Staff and Relationship Managers
  • Act in an advisory role for the Credit Officers/Relationship Managers on loan agreement/covenants clarification and monitoring
  • Complete quality assurance reviews to ensure application packages and analysis are thorough and accurate prior to forwarding for underwriting
  • Fulltime
Read More
Arrow Right