Senior Credit Analyst Commercial Banking Job at Citi (Warsaw)

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

Senior Commercial Credit Analyst

We are seeking a seasoned Senior Commercial Credit Analyst to perform in‑depth c...

Location

United States , Rockland

Salary:

Not provided

Robert Half

Expiration Date

Until further notice

Requirements

5+ years of commercial credit or banking experience
Knowledge of appraisal standards and environmental regulations
Detail‑oriented with strong deadline management
Up to 25% travel within a 25‑mile radius

Job Responsibility

Analyze financial statements, cash flow, management, and business cycles to assess credit risk
Underwrite mid-size to large commercial loans, including C& I, CRE, and working capital lines
Prepare detailed credit memoranda and ensure compliance with regulations and bank policies
Manage annual reviews, renewals, loan modifications, and financial tracking for existing portfolios
Recommend loan structures and terms to minimize risk and protect bank capital
Review appraisals and complete property evaluations up to $250,000
Collaborate with customers, loan officers, and operations to resolve credit questions
Mentor junior analysts to strengthen analytical and underwriting capabilities
Represent the Bank at industry and community events
Complete all required training and maintain policy compliance

What we offer

medical
vision
dental
life and disability insurance
company 401(k) plan

New

Associate Relationship Manager

Wells Fargo Commercial Banking Middle Market Group is seeking an Associate Relat...

Location

United States , BOSTON; CHARLOTTE

Salary:

80000.00 - 132000.00 USD / Year

Wells Fargo

Expiration Date

June 11, 2026

Requirements

2+ years of Commercial Banking Relationship Management or Credit Underwriting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Bachelor's degree in finance, accounting or related business degree (desired)
Completion of Commercial Banking Financial Analyst Program (desired)
Commercial account relationship management experience (desired)
Intermediate knowledge and understanding of core banking products: deposits, commercial credit, and treasury (desired)
Basic understanding of financial accounting (desired)
Foundational ability to interpret financial statements, summarize findings and structure credit transactions (desired)
Experience with underwriting moderately complex credit and debt structure (desired)
Excellent verbal, written, and interpersonal communication skills (desired)
Effective time management and organization skills (desired)

Job Responsibility

Perform a variety of job assignments to develop key skills and gain a working knowledge of the organization
Participate in developing, retaining, and growing low to moderately complex client relationships through the art of relationship management by understanding the needs and priorities of clients and financial decision makers
Participate in the structuring, modification, and renewal of low to moderately complexity cash flow, real estate loans, and other industry-specific solutions within Commercial Banking by analyzing financials, presenting to clients, coordinating with internal stakeholders, and partnering with senior peers to execute complex transactions
Review, understand, and participate in offering the full suite of solutions offered by Wells Fargo to commercial clients to meet low to moderately complex risk needs that may require an in-depth evaluation by engaging product organizations to develop client specific solutions and leveraging a solid understanding of clients’ businesses, strategic objectives, operational priorities, and financial positions
Present recommendations for resolving low to moderately complex situations and exercise independent judgement while developing expertise in the relevant policies, procedures, and compliance requirements within the Commercial Banking Relationship Management group
Collaborate and consult with peers, colleagues, and managers to resolve client issues while achieving business objectives, helping clients navigate Wells Fargo’s processes, escalating client inquiries when needed, and identifying and recommending opportunities for process improvements and risk control enhancements
Participate in relationship planning activities to deliver the full suite of solutions and maintain sales and pipeline disciplines by keeping information current in relevant systems
Support business development in sourcing new Commercial Banking clients, by cultivating relationships through existing networks

What we offer

Health benefits
401(k) Plan
Paid time off
Disability benefits
Life insurance, critical illness insurance, and accident insurance
Parental leave
Critical caregiving leave
Discounts and savings
Commuter benefits
Tuition reimbursement

Fulltime

New

Associate Relationship Manager

Wells Fargo Commercial Banking Middle Market Group is seeking an Associate Relat...

Location

United States , Chicago

Salary:

88000.00 - 121000.00 USD / Year

Wells Fargo

Expiration Date

June 11, 2026

Requirements

2+ years of Commercial Banking Relationship Management or Credit Underwriting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Bachelor's degree in finance, accounting or related business degree
Completion of Commercial Banking Financial Analyst Program
Commercial account relationship management experience
Intermediate knowledge and understanding of core banking products: deposits, commercial credit, and treasury
Basic understanding of financial accounting
Foundational ability to interpret financial statements, summarize findings and structure credit transactions
Experience with underwriting moderately complex credit and debt structure
Excellent verbal, written, and interpersonal communication skills
Effective time management and organization skills

Job Responsibility

Perform a variety of job assignments to develop key skills and gain a working knowledge of the organization
Participate in developing, retaining, and growing low to moderately complex client relationships through the art of relationship management by understanding the needs and priorities of clients and financial decision makers
Participate in the structuring, modification, and renewal of low to moderately complexity cash flow, real estate loans, and other industry-specific solutions within Commercial Banking by analyzing financials, presenting to clients, coordinating with internal stakeholders, and partnering with senior peers to execute complex transactions
Review, understand, and participate in offering the full suite of solutions offered by Wells Fargo to commercial clients to meet low to moderately complex risk needs that may require an in-depth evaluation by engaging product organizations to develop client specific solutions and leveraging a solid understanding of clients’ businesses, strategic objectives, operational priorities, and financial positions
Present recommendations for resolving low to moderately complex situations and exercise independent judgement while developing expertise in the relevant policies, procedures, and compliance requirements within the Commercial Banking Relationship Management group
Collaborate and consult with peers, colleagues, and managers to resolve client issues while achieving business objectives, helping clients navigate Wells Fargo’s processes, escalating client inquiries when needed, and identifying and recommending opportunities for process improvements and risk control enhancements
Participate in relationship planning activities to deliver the full suite of solutions and maintain sales and pipeline disciplines by keeping information current in relevant systems
Support business development in sourcing new Commercial Banking clients, by cultivating relationships through existing networks

What we offer

Health benefits
401(k) Plan
Paid time off
Disability benefits
Life insurance, critical illness insurance, and accident insurance
Parental leave
Critical caregiving leave
Discounts and savings
Commuter benefits
Tuition reimbursement

Fulltime

Portfolio Manager II

The Portfolio Manager is a key member of the commercial banking coverage team, r...

Location

United States , Charlotte

Salary:

50.00 USD / Hour

Robert Half

Expiration Date

Until further notice

Requirements

6–10 years of experience in commercial banking, corporate banking, or portfolio management
Prior experience as a Portfolio Manager, Credit Officer, Senior Credit Analyst, or Associate Relationship Manager
Direct responsibility for managing a commercial loan portfolio (not solely underwriting support)
Experience at a regional or super‑regional bank (e.g., Fifth Third, PNC, Truist, Regions, Huntington, KeyBank, U.S. Bank, etc.)
Bachelor’s degree in Finance, Business Administration, or a related field

Job Responsibility

Manage an assigned portfolio of commercial loans and ancillary credit exposure
Perform ongoing financial statement analysis, borrower monitoring, and risk assessments
Conduct annual and interim reviews, renewals, amendments, and waivers
Perform risk rating assessments, covenant compliance monitoring, borrowing base analysis, and policy interpretation
Identify early warning signals and proactively communicate credit concerns to business and risk partners
Lead or significantly contribute to credit underwriting packages for: New credit facilities, Refinancings and renewals, Amendments, extensions, and credit increases
Structure credit solutions, including covenant packages, collateral evaluation, guarantees, and mitigants
Partner closely with Relationship Managers, Credit Risk, and Legal through approval and documentation

What we offer

medical
vision
dental
life and disability insurance
401(k) plan

Vice President, Institutional Credit Management - In-Business Quality Assurance - Financial Institutions Underwriting

The ICM In-Business Quality Assurance function (QA) verifies that established st...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Quality Assurance: Demonstrable Credit / Counterparty credit risk Audit / quality assurance experience, including 5-7 years in the areas of banking, credit risk management, loan review or quality assurance review function at an investment or large commercial bank
Solid understanding of risk management and control frameworks related to Counterparty Credit Risk management or another Financial Risk discipline
Capability to understand complex counterparty credit product structures, and ideally versed in derivatives and structured investment products
Good grasp of counterparty credit risk covered process, to evaluate findings within the Quality Assurance process, determine materiality, and partnering with in-line makers and checkers for ongoing improvement, problem detection, and sustainable remediation
Strong background on core credit analysis for large corporate and finance industries including funds to properly evaluate process and quality breaks within the quality assurance function
Ideally, credit officer or analyst or operational credit risk background, with experience on day-to-day credit functions associated with analysts and risk approval
High awareness and adherence to the control environment including Quality Assurance and Quality Control
Competencies: Highly Effective interpersonal skills, with the ability to build relationships and exert influence with and without direct authority with Senior Levels of Management
Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
Exceptional written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority

Job Responsibility

Support the Head of FI In-Business Quality Assurance to set the global strategy for and lead the implementation and ongoing delivery of a robust Quality Assurance function
Provide effective credible challenge during QARs to Business Region Heads and Portfolio Managers, as regards to memo and process quality to ensure that weaknesses in such processes are identified and escalated as appropriate
Support with the aim to ensure wholesale credit risks within Citi are effectively identified, measured, monitored, and controlled, consistent with the bank's risk appetite and all policies and processes established within the risk governance framework
Support execution of consistent and objective assessments during QARs
Support execution of subsequent follow-up on corrective actions that were raised during QARs
Support execution of sustainability testing of corrective actions resulting from issues raised by Internal Audit or Regulators
Synthesize and prepare quarterly Quality Assurance Scorecard Reports to ICM business management that communicate and measure results and identify negative trends and potential solutions
Constant interaction with the respective Analysts and Team Leads, to ensure that quality assurance protocols are adequate for all portfolios
Support WCR IBQA function in the establishment of WCR IBQA policies, procedures, risk assessment and controls to drive effective QA coverage and standards
Support ICM Head of Markets In-Business Quality Assurance Functional Head to stay abreast of relevant changes to rules/regulations and other industry news including regulatory findings

What we offer

Extensive on-the-job training and exposure to senior leaders
Traditional learning opportunities
Access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses
Resources and tools to volunteer in the communities in which they live and work
Opportunity to give back and make a positive impact through volunteerism

Fulltime

Senior Credit Analyst - VP

The Senior Credit Analyst is a strategic professional who stays abreast of devel...

Location

Netherlands , Amsterdam

Salary:

88461.54 - 141538.46 EUR / Year

Citi

Expiration Date

Until further notice

Requirements

6-10 years previous credit experience
Prior experience working in a regulatory and compliance policy environment
Proven analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry/competitive analysis and projections
including complicated business structures with foreign subsidiaries and/or parent organizations
Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
Experience in handling complex credit transactions (M&A, Leverage Lending, Large Syndications)
Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
Effective inter-personal and written/verbal communication skills
Thorough problem credit recognition and resolution skills
Pro-active disposition with ability to work autonomously and within a team

Job Responsibility

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 Citi’s policies, applying sound ethical judgment regarding personal behaviour, conduct and business practices, and escalating, managing and reporting control issues with transparency
Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards
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 rendering 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

Fulltime

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Senior Credit Analyst Commercial Banking

Job Description

Job Responsibility

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What we offer

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