Credit Risk Analyst Job at Citi (Mumbai)

Credit Risk Analyst

Citi

Location:
India , Mumbai

Category:
Finance

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

The Credit Analyst 1 is a developing professional role. Applies specialty area knowledge in monitoring, assessing, analyzing and/or evaluating processes and data. Identifies policy gaps and formulates policies. Interprets data and makes recommendations. Researches and interprets factual information. Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures or practices. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team.

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
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

Requirements:

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
Bachelor’s/University degree or equivalent experience

Additional Information:

Job Posted:
December 28, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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