Senior Credit Analyst Commercial Banking Job at Citi (Warsaw)

Senior Credit Analyst

Reporting into the Credit Team Leader the successful candidate will be responsib...

Location

Australia , Sydney

Salary:

Not provided

Prospa

Expiration Date

Until further notice

Requirements

Minimum 3 to 5 years underwriting / Credit analyst experience required
Bachelor’s degree in finance, accounting, or related field desirable but not necessary
Previously held a DLA (delegated lending authority)
Experience in commercial lending
Experience with business financial documents such as Profit & Loss, Balance Sheets, AR/RP
Strong credit risk acumen and commercial judgement
Familiarity with personal and company credit reports, ASIC searches, and other various background information

Job Responsibility

Coordinating the underwriting of commercial loan applications upto an exposure of $1mil
Bank statement analysis for up to $500K & Financial statement analysis for upto $1mil
Providing in-depth detailed analysis of financial statements, industry risk, and credit risk
Presenting deals to Credit Committee with a comprehensive understanding of the risk and associated mitigants in each transaction, as well as providing a strong recommendation on the proposed outcome and offered insight to upper management regarding credit decisions
Conduct credit calls with clients and relevant stakeholders to collect additional information relevant to the proposed transaction
Liaising with stakeholders in other areas of the business to provide scenario and deal workshopping support
Preparing clear, thorough and informative credit papers for each application
Comply with internal controls and government regulations

What we offer

Learning days
Learning allowance
Leadership programs
CliftonStrengths workshops
Digital learning
Biannual companywide learning weeks
Fitness initiatives
Seasonal programs (including flu shots, massages, skin checks, wellness classes)
Additional "Me Days"
Access to holistic EAP coaching

Senior Credit Analyst

Our regional banking client in Edison is seeking a Senior Credit Analyst to join...

Location

United States , Edison

Salary:

Not provided

Robert Half

Expiration Date

Until further notice

Requirements

4+ years of hands-on experience in CRE and C& I lending
Deep understanding of credit policies, loan structuring, and banking regulations
Excellent communication skills, a team-oriented mindset, and the ability to work effectively in a hybrid environment
Strong financial analysis, underwriting, and risk assessment capabilities
proficiency in relevant financial and banking systems

Job Responsibility

Prepare clear and concise credit memos and recommendations for loan committees
Conduct detailed credit analysis, including financial statement reviews, cash flow projections, and risk assessments, for CRE and C& I loan applicants
Collaborate with Relationship Managers and other internal teams to provide tailored solutions for clients
Stay updated on market trends, industry developments, and regulatory changes impacting credit and lending practices

What we offer

Growth-Oriented Culture
Flexibility
Competitive Compensation
medical, vision, dental, and life and disability insurance
401(k) plan

Fulltime

Credit Portfolio Senior Analyst

The Credit Portfolio Senior Analyst is an intermediate-level position responsibl...

Location

Poland , Warsaw

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Bachelor's degree/University degree or equivalent experience
5-8 years of relevant experience in corporate or commercial risk management
Knowledge of commercial risk analytics
Ability to apply credit and risk principles toward business goals
Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency
Proven ability to remain organized in a fast-paced environment, managing multiple projects
Proven interpersonal, organizational and analytic skills
Proven knowledge of IFRS, local accounting standards, leveraged lending regulatory requirements
Fluency in Polish and English

Job Responsibility

Contribute to the development of new techniques and improvement of processes and work-flows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management
Develop recommendations to adjust credit policies by analyzing credit and financial performance and utilizing statistical scoring, segmentation, and regression and simulation techniques
Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing
Research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as required
Participate in developing, testing, and optimizing credit policies and procedures, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives
Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding the Bank, 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
Active participation in Early Warning Processes including quarterly financial monitoring and assessment of credit risk profile of client and exposures regarding regulatory requirements (i.e. stage or internal classification)
Active participation in improvement of credit process and procedures

What we offer

Job contract and social benefits (private medical care, fitness card, life insurance, pension programme, co-financing of cultural and entertainment events)
Access to e-learning platform (Degreed) as well as English learning platform
Possibility to gain globally appreciated work experience
Friendly and supportive culture and team
Flexible and partly-remote working conditions

Fulltime

Svp credit review senior officer

The Senior Lead Reviewer is responsible for independently managing all aspects o...

Location

Canada , Mississauga

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

10+ years previous experience required Work experience in Banking, Finance, Accounting, Economics, Business Administration or similar with Credit or financial statement analysis experience
Wholesale Credit Risk Experience is mandatory, preferably with knowledge on complex structures and leverage financing
Advanced analytical skills, with the ability to identify root causes and trends and anticipate horizon issues
Fully conversant in credit policy matters
Good knowledge of capital markets products, including derivatives
Ability to recognize emerging risks, including operational risk
Expert in risk analysis and risk management processes for one or more products and lending areas
Developed project management skills
Proficient in Microsoft Office (Word, Excel, and PowerPoint)
Proven ability to build and maintain relationships and exert influence without direct authority

Job Responsibility

Assesses the effectiveness of credit risk management at Citi and the ability of the Business and Independent Risk to identify, monitor and mitigate current and emerging credit risks across Citigroup and Citibank
Management of BICR Review Entities through quarterly Business Monitoring and periodic Reviews
Assessment of the quality of assigned portfolios and relationships, including identification and evaluation of emerging risks
Assessment of the quality and adequacy of credit analysis and exposure analysis as well as accuracy and appropriateness of risk ratings and classifications of corporate, commercial and high-net worth relationships
Assessment of the effectiveness of the credit risk processes and standards of assigned Review Entity to promote leading practices and identify opportunities for improvements
Assessment of Business and Risk staffing levels to assess the effects on assigned Review Entity
Preparation of Credit Assessment Documents in accordance with and at the quality standards required by the BICR Manual and Review Guides
Approval of relationship-level file testing prepared by BICR Credit Risk Analysts
Evaluation of the appropriateness of Corrective Action Plans resulting from Reviews or Business Monitoring, and subsequent validation of the effectiveness of the same after implementation by the Business
Accountability for the quality and consistency of work products that include Credit Assessment Documents, Sample Rationale Documents, and BICR Review Reports created for the assigned Review Entity

What we offer

Global Benefits
We bring the best to our people. We put our employees first and provide the best-in-class benefits they need to be well, live well and save well

Fulltime

Summer Analyst

The Summer Analyst program is a 10-week internship that takes place in Amsterdam...

Location

Netherlands , Amsterdam

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

You are due to be graduating in 2027
on course to achieve a 6.5 or equivalent at undergraduate level in any degree
you have an interest in business
you are fluent in English and Dutch

Job Responsibility

Offering support in credit approvals (for new-to-bank and existing clients), utilizing official/internal databases
analyzing financial data using financial models including company valuations, discounted cash flow analysis, financing, comparative, and pro-forma analyses
collecting and analyzing company information to assist transactions, including conducting industry research, revising, and organizing financial data
working with relationship managers to determine credit and cash management products to be offered to clients
working with product, risk management and other partners
creating pitch books, prospect memos and external/internal client related decks
managing existing base of key client relationships for transaction level support for senior relationship managers
solving client instructions/deficiencies and coordinate trainings (ex. CitiDirect, FX Pulse, etc.) via engagement of all Citi partners
working on customer due diligence / KYC for new-to-bank clients as well as existing client base
handling documentation related to client on-boarding within the commercial bank

What we offer

10-week summer program with induction
opportunity for full-time analyst role post-internship
training and career development opportunities
working in a global organization

Fulltime

Senior Business Analyst

Jeeves is a groundbreaking financial operating system built for global businesse...

Location

Colombia , Bogotá

Salary:

Not provided

Jeeves

Expiration Date

Until further notice

Requirements

4+ years in analytics within credit risk management
Fluent in English
Excellent written and verbal communication skills
Intellectual curiosity
Experience in commercial credit risk, specifically within credit cards, payments, lending, or related industries
Proven ability to translate complex data and model results into actionable business strategies
Experience utilizing alternative data sources
Advanced proficiency in SQL and Excel
Experience using Python or R for data analysis and statistical modeling (regression, clustering, etc.)

Job Responsibility

Lead the development of best in class data-driven credit policies and business strategies: Leverage external (e.g. banking, tax, financial, credit bureau and other data) and internal performance data to develop credit policies (e.g. underwriting criteria, dynamic credit limit programs, etc.)
Minimize credit loss by developing and implementing appropriate processes and procedures to identify and mitigate high risk customers
Design and implement data-driven strategies for customer management, including policies for credit line increases, decreases, and line reinstatements
Work closely with the sales and business development teams to support business growth strategies that preserve effective underwriting and ensure the appropriate application of Jeeves’ credit policy
Deliver advancements in data and analytics: Contribute to the development of a data and analytics framework to improve processing, underwriting, tracking, risk management, and reporting procedures
Design and execute data driven analyses and tracking procedures to enhance insights on credit risk for individual, and the portfolio of companies
Leverage predictive statistical methodologies (e.g., linear/logistic regression, segmentation analysis) to draw insights and develop business strategies
Partner with data scientists to build and leverage credit risk models to optimize credit policies and improve business performance
Improve credit monitoring and governance: Define key performance indicators (KPIs) for credit portfolios
build dashboards to monitor portfolio health and strategy performance

Fulltime

Assistant Relationship Manager

Our client is seeking a dynamic Assistant Relationship Manager (ARM) to join a s...

Location

Singapore , Singapore

Salary:

Not provided

Randstad

Expiration Date

January 12, 2026

Requirements

Bachelor degree with at least 2 years of experience in Front Office or as a Credit Analyst in commercial/ corporate banking/ FI/ NBFI portfolios
Good credit analysis skills and knowledge of commericial/ corporate banking/ FI/ NBFI products
Ideally has knowledge and experience in Fund Finance

Job Responsibility

Credit Analysis: Conducting in-depth credit analysis and preparing comprehensive credit proposals for new and existing fund finance facilities
Portfolio Management: Actively manage a portfolio of accounts, handling client onboarding, performing regular credit reviews, and ensuring strict covenant monitoring
Risk Monitoring: Identify and monitor potential problematic accounts, performing necessary asset assessments and escalating concerns to senior management in a timely manner
Transaction Execution: Review legal documentation related to financing and coordinate with operations (back office) teams to facilitate drawdowns, disbursement, rollovers, and other matters
Market Intelligence: Monitor market and industry developments that may impact clients or the portfolio

Fulltime

!

New

Senior Credit Analyst - Commercial Banking

The CLM Assistant Vice President facilitates the end-to-end lending process for ...

Location

United States , Jacksonville

Salary:

87280.00 - 130920.00 USD / Year

Citi

Expiration Date

January 15, 2026

Requirements

3-5 years relevant experience in credit underwriting, portfolio and/ or risk management with a multinational financial services organization
Demonstrated knowledge of basic accounting and financial concepts and their practical application in the credit underwriting process
Excellent communication (written, verbal, presentation and listening) and organizational skills
ability to complete multiple priorities in a timely manner
Demonstrates learning agility: seeks out resources and experience to continually build knowledge/skills
quickly and successfully applies learning to new situations
Highly proficient in spreadsheet, word processing and presentation applications, including strong data visualization skills
Bachelor’s/University degree or equivalent experience

Job Responsibility

Facilitate the end-to-end lending process within the NAM CCB for the assigned relationships and portfolio
Rapidly develop knowledge of assigned portfolio and related industries, and create well-supported analysis that effectively balances risk and business objectives
Ensure appropriate regulatory classification and minimizing net credit losses for covered portfolio, as well as identify emerging areas of concerns that should be escalated
Produce the underlying analysis and workflow supporting underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, including the related diligence
Timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio
Facilitate the loan documentation process for both new transactions and amendments or modifications
including coordination with internal partners and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents
Attend periodic meetings regarding covered portfolio clients and select new to bank opportunities in partnership with the Relationship Management teams
Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients
Mentor and develop more junior staff and other support to become effective resources and future contributors

What we offer

medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays
discretionary and formulaic incentive and retention awards

Fulltime

!

Senior Credit Analyst Commercial Banking

Citi

Location:
Poland , Warsaw ▼
Krakow
Gdansk
Wroclaw
Poznan

Category:
Banking

Contract Type:
Employment contract

Salary:

Job Description:

Job Responsibility:

Requirements:

Additional Information:

Job Posted:
April 30, 2025

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