Senior Credit Analyst

Equal Opportunity 

We recognize talent comes from a wealth of experience and ideas beyond just the technical specifications of a role. If you feel like you can make a meaningful impact even if you don't necessarily check all the listed requirements, please still consider applying. Diversity of experience and skills supplemented with drive are cornerstones to innovation and excellence and we encourage people from all backgrounds to apply to our positions. Key OutlineThe Senior Credit Analyst is a strategic professional who stays abreast of developments within their own field and contributes to overall business strategy. They are a recognized technical authority in relation to credit analysis and structuring, while also possessing strong commercial awareness. Strong communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasionally external customers.
 Responsibilities:

• 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
• Provide backup support to Credit Underwriting Group Manager, lead projects and initiatives and mentor lower level Credit Officers as needed
• Other duties as required to support business unit and company goals

Qualifications:

• 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
• 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.

Education:

• Bachelor's/University degree, Master's degree preferred

Citi Commercial Bank provides global banking solutions to mid-sized companies that are looking to grow rapidly and expand internationally. With our global network, comprehensive solutions, and industry expertise, we help these businesses succeed across a wide variety of industries and at most stages of their growth.

Job Family Group:

Risk Management

Job Family:

Credit Risk

Time Type:

Full time

Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

Other Relevant Skills

Credible Challenge, Data Analysis, Laws and Regulations, Management Reporting, Referral and Escalation, Risk Remediation.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View Citi's EEO Policy Statement and the Know Your Rights poster.

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