Credit Analyst

• accurately spreads business and personal financial statements and business and individual tax returns on a timely basis
• 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
• spread new, renewal and interim financial statements and business and individual tax returns in accordance with bank guidelines
• 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
• may act as an industry specialist with responsibility for SBA/EXIM loan analysis
• appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation

• 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
• licenciatura concluida (preferentemente actuaria, finanzas y contabilidad)
• experiencia en análisis financiero (deseable)

experiencia en análisis financiero

• equal opportunity employment
• accessibility accommodations
• global benefits including well-being, growth and work-life balance