Senior Credit Analyst

Senior Credit Analyst - Commercial Banking

Citi

Location:
United States , Jacksonville

Category:
Banking

Contract Type:
Not provided

Salary:

87280.00 - 130920.00 USD / Year

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Job Description:

The CLM Assistant Vice President facilitates the end-to-end lending process for a covered industry vertical directly supporting the responsible Credit Officer. CLM is essential for the delivery of a wide range of financial solutions to Citi CCB clients, working in direct partnership with Relationship Managers and Independent Risk, to execute on the firm’s and client’s business objectives. This can include working capital solutions, term loans, treasury and liquidity management services, foreign exchange, trade finance and interest rate derivatives. The primary responsibilities of CLM include credit underwriting, due diligence, structuring and documentation, and portfolio monitoring. As part of the business and in direct partnership with relationship coverage Relationship Managers, CLM teams provide thorough, objective analysis of the financial condition and credit worthiness of borrowers, including product/market conditions, as well as the appropriate credit structure based on various risk considerations.

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
Recommend and champion changes to improve existing processes to achieve greater efficiency and controls
Work proactively, and in a constructive and diplomatic manner, with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls

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

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

Additional Information:

Job Posted:
January 10, 2026

Expiration:
January 15, 2026

Employment Type:

Fulltime

Work Type:

Hybrid work

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