Credit Intermediate Analyst, Officer Job at Citi (City of Taguig, Metro Manila)

Credit Intermediate Analyst, Officer

Whether you're building on early career experience or taking your next step in f...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

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

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

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

Credit Intermediate Analyst

The Credit Analyst 2 is a developing professional role. Deals with most problems...

Location

Philippines , City of Taguig, Metro Manila

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software
The ideal candidate must have extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, financial regulations, financial products, and credit analysis
Bachelor’s/University degree or equivalent experience

Job Responsibility

Spread new, renewal, interim financial statements and business/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.
Provide leadership, training, and coaching to Credit Analyst I positions and back up support to the Application Preparation Team Manager.
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 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

Model Validation 2nd Line of Defense Intermediate Analyst, Officer

Whether you’re at the start of your career or looking to discover your next adve...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Advanced degree (Master's and above) is required in the fields of mathematics, statistics, computer science, engineering, Data Science, AI/ML, etc.
4+ years' analytics experience in financial services or related industries with minimum 3 years in Artificial Intelligence (AI) / Generative AI / Machine Learning (ML) area
In-depth technical knowledge of common AI/ML techniques
Clear and concise written and oral communication skills
Self-motivated and detail oriented
Demonstrated project management and organizational skills and capability to handle multiple projects at one time
Strong stake-holder management skills

Job Responsibility

Perform independent review and conduct effective challenge across the lifecycle of Artificial Intelligence (AI) / Machine Learning (ML) non-model objects
Ensure adherence to applicable policies, procedure, templates, and testing guidance to manage the risk of all aspects of the AI/ML non-model objects
Drive constructive engagements with key stakeholders such as AI/ML Sponsors / Developers, MRM Governance, AI-CoE, Internal Audit, and regulators regarding AI/ML related matters
Support in satisfying the requirements for all internal / external regulatory exams
Develop, enhance, and validate the methods of measuring and analyzing risk, for all risk types including market, credit and operational
Support the design, development, delivery and maintenance of best-in-class Risk programs, policies and practices for Risk Management
Contribute to strategic, cross-functional initiatives within the model risk management organization
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

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

Credit Intermediate Analyst

The Credit Analyst 2 is a developing professional role. Deals with most problems...

Location

Philippines , City of Taguig

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software
Extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, financial regulations, financial products, and credit analysis

Job Responsibility

Spread new, renewal, interim financial statements and business/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
Provide leadership, training, and coaching to Credit Analyst I positions and back up support to the Application Preparation Team Manager
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 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

What we offer

Access to telehealth options, health advocates, confidential counseling
Expanded Paid Parental Leave Policy
Resources to manage financial well-being and help 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

Fulltime

Credit Intermediate Analyst

The Credit Analyst 2 is a developing professional role. Deals with most problems...

Location

Philippines , Taguig

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software
Extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, financial regulations, financial products, and credit analysis

Job Responsibility

Spread new, renewal, interim financial statements and business/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
Provide leadership, training, and coaching to Credit Analyst I positions and back up support to the Application Preparation Team Manager
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 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

What we offer

Access to telehealth options, health advocates, confidential counseling
Expanded Paid Parental Leave Policy
Resources to manage financial well-being and help 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

Fulltime

Credit Risk Intermediate Analyst

The Credit Analyst 2 is a developing professional role. Deals with most problems...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software
Extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, financial regulations, financial products, and credit analysis
Bachelor’s/University degree or equivalent experience

Job Responsibility

Spread new, renewal, interim financial statements and business/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
Provide leadership, training, and coaching to Credit Analyst I positions and back up support to the Application Preparation Team Manager
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 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

Credit Portfolio Intermediate Analyst

The Credit Portfolio Analyst is a developing professional role. Deals with most ...

Location

Mexico , Ciudad De Mexico

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software
Advanced English communication skills (spoken) required
Extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, financial regulations, financial products, and credit analysis
Bachelor’s/University degree or equivalent experience

Job Responsibility

Spread new, renewal, interim financial statements and business/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
Provide leadership, training, and coaching to Credit Analyst I positions and back up support to the Application Preparation Team Manager
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 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

Loss Forecasting And Analytics Intermediate Analyst

The Model/Anlys/Valid Intmd Anlyst is a developing professional role. Deals with...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

4+ years' experience
Proficient in Microsoft Office with an emphasis on MS Excel
Proficiency in data analysis and visualization tools such as Python and Tableau is required to effectively manage, interpret, and present complex risk data and models
Consistently demonstrates clear and concise written and verbal communication skills
Self-motivated and detail oriented
Demonstrated project management and organizational skills and capability to handle multiple projects at one time
Bachelor’s/University degree or equivalent experience in a quantitative discipline: Statistics, Mathematics, Economics, Econometrics, Management, Operations Research or Engineering

Job Responsibility

Develops, enhances, and validates the methods of measuring and analyzing risk, for all risk types including market, credit and operational
Also, may develop, validate and strategize uses of scoring models and scoring model related policies
Supports the design, development, delivery and maintenance of best-in-class Risk programs, policies and practices for Risk Management
Reviews institutional or retail analytics and Models and other documents to ensure compliance with various regulatory and legal requirements
Identifies potential risks and escalates for further review
Handles preliminary investigations, assists with reconciliation procedures and prepares routine correspondence
Creates and maintains reports for control, tracking, and analysis purposes and ensures appropriate and secure retention of documents
Works with more senior staff in investigating and responding to customer and operational complaints
Interacts and works with other areas within Risk Management, as necessary
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

Select Country

Credit Intermediate Analyst, Officer

Job Description

Job Responsibility

Requirements

Nice to have

What we offer

Looking for more opportunities?

Credit Intermediate Analyst, Officer

Credit Intermediate Analyst, Officer

Credit Intermediate Analyst

Model Validation 2nd Line of Defense Intermediate Analyst, Officer

Credit Intermediate Analyst

Credit Intermediate Analyst

Credit Risk Intermediate Analyst

Credit Portfolio Intermediate Analyst

Loss Forecasting And Analytics Intermediate Analyst

Our AI answers in your language