Credit Analyst

**Discover your future at Citi**:
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

**Job Overview**:
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 Outline**

The credit analyst is a developing professional role. Stays abreast of developments within their own field and contributes to overall business strategy. Deals with most problems independently and has some latitude to solve complex problems with support and guidance from more experienced colleagues. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact

**Responsibilities**
- Spreads and analyses financial statements and business tax returns in accordance with bank policies and guidelines
- Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients in compliance with internal procedures/credit risk policy guidelines and standards
- Determines and calculates internal risk ratings for assigned obligors
- 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 providing inputs for approvers to render 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 officers and underwriters
- Other duties as required to support business unit and company goals

**Qualifications**:

- 2-4 years previous experience in a financial institution with a focus on credit analysis and spreading software.
- Effective inter-personal and written/verbal communication skills
- Fluent in French and English languages

**Education**:

- Bachelor’s/University degree or equivalent experience**Job Family Group**:
Risk Management
- **Job Family**:
Credit Decisions
- **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**

For complementary skills, please see above and/or contact the recruiter.- View Citi’s _EEO Policy Statement_ and the _Know Your Rights_ poster._