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Citi Logo Citi · Banking

Credit Risk Analyst

India, Mumbai · Job Posted April 25, 2026
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Job Description

The Credit Analyst 2 is a developing professional role. Deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.

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

Requirements

  • 3-5 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
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