Senior Credit Analyst Job at Formic (San Francisco)

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 Risk Senior Analyst

The Credit Risk Intmd Analyst is a developing professional role. Deals with most...

Location

Philippines , City of Taguig

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software
Analyze program results vs expectations / Develop Strategies and Criteria / Gather data and prepare data for analysis
Bachelor’s/University degree or equivalent experience

Job Responsibility

Provides analysis of a business' financial trends, indicators and other client data for presentation to the Underwriting Manager for further discussion and consideration
Manages the risk associated with new and existing borrowing relationships
Performs spreads of client business financial statements
Creates Customer Accounting Systems’ through Credit Platform
Recognizes potential client risk through early warning systems
Performs periodic financial statement review
Tracks established financial covenants
Monitors compliance to borrowing base credit facility
Accompanies Underwriting Manager on customer site visits (when appropriate)
Compliance with Citibank policies to ensure satisfactory ratings from internal and external auditors

Fulltime

Senior Credit Analyst Commercial Banking

Senior Credit Analyst Commercial Banking is a seasoned professional role within ...

Location

Poland , Warsaw; Krakow; Gdansk; Wroclaw; Poznan

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Master’s/University degree in Economics or Law
Minimum 10 years of experience in the financial sector in credit analysis of commercial and corporate clients
Experience in Corporate Finance and remediation process
Ability to analyze financial statements and prepare financial forecasts
Good understanding and knowledge of commercial and corporate banking products
Advanced analytical skills
Excellent communication skills, both oral and written
Negotiation skills
Openness, honesty and independence in presenting views
Ability to work under time pressure and complete assigned tasks in a timely manner

Job Responsibility

Credit analysis and risk assessment of clients within the allocated portfolio (Mid-and Large Commercial Clients)
Preparation of annual reviews of credit exposure along with the determination of risk ratings and structure of credit lines
Managing risks associated with new and existing credit transactions, incl. corporate finance
Conducting negotiations on the transaction with the participation of Boards of clients, their advisors, advisors of the Bank and supervising the implementation of agreed terms and conditions in the Bank’s credit exposure
Review of market information on the credit clients and respective industries
Regular contact with clients related to credit matters, incl. customer site visits (when appropriate)
Identifying and obtaining exceptions approvals
Recommending appropriate classification of exposures in the assigned credit portfolio
Performing periodic financial statement review
Tracking established financial covenants

What we offer

Job contract and social benefits (private medical care, fitness card, life insurance, pension programme, co-financing of cultural and entertainment events and more)
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

Credit Risk Senior Analyst

The Credit Risk Senior Analyst is a developing professional role. Deals with mos...

Location

Colombia , Bogotá

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software
Analyze program results vs expectations
Develop Strategies and Criteria
Gather data and prepare data for analysis
Bachelor's/University degree or equivalent experience

Job Responsibility

Provides analysis of a business' financial trends, indicators and other client data for presentation to the Underwriting Manager
Manages the risk associated with new and existing borrowing relationships
Performs spreads of client business financial statements
Creates Customer Accounting Systems through Credit Platform
Recognizes potential client risk through early warning systems
Performs periodic financial statement review
Tracks established financial covenants
Monitors compliance to borrowing base credit facility
Accompanies Underwriting Manager on customer site visits
Compliance with Citibank policies to ensure satisfactory ratings from internal and external auditors

Fulltime

Senior Credit Analyst

Senior Credit Analyst Reports to Credit Manager. Job Function: Support the Credi...

Location

United States , Easton

Salary:

Not provided

Victaulic

Expiration Date

Until further notice

Requirements

Bachelors (Business, Finance, Accounting)
Bilingual (Spanish) preferred, but not required
Must demonstrate a strong knowledge and proficiency with the use of Microsoft Office
Demonstrate professional written and verbal communication skills
Must be energetic and demonstrate an ability and initiative to question processes with the goal of driving process improvement and solving problems
5-7 years’ experience in Credit & Collections. (Manufacturing / Construction Industry preferred)

Job Responsibility

Support the Credit Manager with the development and implementation of processes and controls related to Customer Credit Approval, Collections and Accounts Receivable for the Company
Collection of Customer Receivables
Collect Past Due invoices within your assigned collection portfolio
Create strong relationships with key Customers
Create strong collaborative relationships with Regional Sales Managers
Collaborate & communicate collection concerns with Customer Care and Sales VP’s
Analyze, recommend, and improve Credit/Collections Systems (GETPAID, Qlik View)
Review and update Credit Department Policies, Controls and Procedures
Actively pursue professional education to enhance your business knowledge and skills required to maintain career growth
Take a lead role in the implementation of new ERP Solution (Infor M3)

Assistant Vice President, ICM Risk Analysis Credit Risk Senior Analyst

ICM Risk Analysis Credit Risk Associates are responsible for a portfolio of inst...

Location

Japan , Tokyo

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Bachelor's/University degree or equivalent experience
Financial Services experience including 5-8 years of credit experience in Banking or Credit Risk Management
Well-developed analytical skills with understanding of key financial components
Advanced knowledge of financial statements and GAAP accounting or similar governance
Solid understanding of Credit Policy and procedures
Advanced Microsoft Office (Word, Excel, and PowerPoint) skills
Advanced experience with internal Policies, Standards, Procedures, Templates and financial modeling
Highly effective interpersonal skills with ability to build relationships
Exceptional written and verbal communication skills

Job Responsibility

Assess credit and financial strength of Citi's most complex Large Corporate, Public Sector, and Financial Institutions Clients
Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR)
Continuous monitoring of covered portfolio including industry trends and impacts to key relationships
Review and provide recommendation on risk rating across sector
Partnership with regional and industry stakeholders in credit assessment implementation
Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)

Fulltime

Credit Risk Senior Analyst

The Credit Senior Analyst is a developing professional role responsible for cred...

Location

Colombia , Bogotá

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Strong English communication skills required (verbal and written)
2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software
extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, financial regulations, financial products, and credit analysis

Job Responsibility

Spread new, renewal, interim financial statements and business/individual tax returns in accordance with bank guidelines
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

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

Senior Credit Analyst

Formic

Location:
United States , San Francisco ▼
Oakland

Category:
Finance

Contract Type:
Not provided

Salary:

Job Description:

Job Responsibility:

Requirements:

Nice to have:

Additional Information:

Job Posted:
February 20, 2026

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Location:United States , San Francisco ▼Oakland

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Job Posted:February 20, 2026

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