Credit Analyst, Citi

Citi

Location:
France, Paris

Category:
Banking

Contract Type:
Employment contract

Salary:

Not provided

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Job Description:

The credit analyst is a developing professional role. Stays abreast of developments within their own field and contributes to overall business strategy. Deals with most problems independently and has some latitude to solve complex problems with support and guidance. Requires attention to detail when making judgments and recommendations based on factual information.

Job Responsibility:

spreads and analyses financial statements and business tax returns in accordance with bank policies and guidelines
interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients in compliance with internal procedures/credit risk policy guidelines and standards
determines and calculates internal risk ratings for assigned obligors
prepare a detailed written credit summary of commercial applicants requesting credit by analysing the business, interpreting the finance need, identifying the strengths and prevailing risk factors and providing inputs for approvers to render a final credit decision
perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information
perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers in order to assess repayment capacity based on cash flow statements, tax returns, and statements
perform industry and geographical research and other due diligence as needed
maintain a solid understanding of Citibank products and services - within Commercial Banking and the broader organization
maintain compliance with Citibank credit policies/practices and regulatory policies, to ensure the business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors
assists business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels
work with management team on prioritization and implementation of approved actions
provide backup support to credit officers and underwriters
other duties as required to support business unit and company goals

Requirements:

2-4 years previous experience in a financial institution with a focus on credit analysis and spreading software
demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
effective inter-personal and written/verbal communication skills
proficient in various spreadsheet and word processing applications (Excel and Word), including the use of graphs and charts and financial analysis software
fluent in French and English languages

What we offer:

diversity of experience and skills
opportunity for career growth
commitment to inclusion and diversity
compliance with equal opportunity laws

Additional Information:

Job Posted:
September 23, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Credit Analyst