Credit Analyst

• Accurately spread business and personal financial statements and business and individual tax returns in accordance with GAAP and Citibank policies
• Ensure financial data for simple to complex credits are mapped appropriately into the bank's matrix and analysis tool
• Provide comments to judgmental Underwriter on significant items in financials
• Provide succinct analysis based on customers, peers, portfolio, and 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 Credit Officers, Credit Analysts, Other Credit Center Staff and Relationship Managers
• Act in advisory role for 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
• May act as industry specialist with responsibility for SBA/EXIM loan analysis
• Assess risk when business decisions are made and drive compliance with applicable laws, rules and regulations

• 0-2 years prior experience in a financial institution with 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
• Preferably economic-administrative or related academic training
• Intermediate-Advanced English

Economic-administrative or related academic training

Global benefits designed to support well-being, growth and work-life balance