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The Senior Credit Analyst is a strategic professional who is recognized as a technical authority in credit analysis and structuring. They require strong communication and diplomacy skills to collaborate with colleagues and clients, assess risks, and ensure compliance with laws and regulations.
Job Responsibility:
Appropriately assess risk when business decisions are made
interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients
prepare a detailed written credit summary of commercial applicants requesting credit
perform detailed financial analysis on companies
perform credit and personal financial statement analysis on individuals
perform industry and geographical research and other due diligence
maintain a solid understanding of Citibank products and services
maintain compliance with Citibank credit policies/practices
assist business unit goals by identifying process improvements and efficiencies
provide backup support to Credit Underwriting Group Manager
lead projects and initiatives
mentor lower level Credit Officers
other duties as required to support business unit and company goals.
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
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
proficient in various spreadsheet and word processing applications (Excel and Word), including the use of graphs and charts and financial analysis software
typically deals with complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting needs
requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources.
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