Credit Analyst - Officer

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

Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism.

Shape your Career with Citi

Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi’s institutional clients. Within ICM, the Credit Underwriting function (“ICM UW” or “UW”) provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking and Commercial Banking relationships.

We’re currently looking for a high caliber professional to join our team as Credit Analyst – Officer (Internal Job Title: Credit Analyst 2- C11) based in Mumbai, India. Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future. For instance:

• Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country.
• We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That’s why in early 2020 we began rolling out our expanded Paid Parental Leave Policy to include Citi employees around the world.
• We empower our employees to manage their financial well-being and help them plan for the future.
• Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses.
• We have a variety of programs that help employees balance their work and life, including generous paid time off packages.
• We offer our employees resources and tools to volunteer in the communities in which they live and work. In 2019, Citi employee volunteers contributed more than 1 million volunteer hours around the world.

In this role, you’re expected to:

The ICM Credit Analyst will assist in financial and credit analysis activities across the portfolio. This role has responsibility for the Non-Investment Grade portfolio, with a focus on Classified assets. The role focuses on developing strong analytical foundations, data handling capabilities, and understanding credit processes.

• Support in preparing financial models and Company valuations using standard approaches (comparable company analysis, precedent transactions, etc.).
• Assist in drafting credit notes, memos, and financial assessments under supervision.
• Spread financial statements in accordance with bank guidelines including calculation of cash flow, debt service coverage, collateral coverage, and guarantor net worth.
• Track operating and financial performance, prepare quarterly monitoring reports, and update key portfolio metrics. Conduct Ratio analysis, and write operating performance commentary.
• Ensure accurate recordkeeping and compliance with internal credit policies and procedures.
• Coordinate with internal teams for data collection, documentation, and audit requirements.
• Co-manage of accounts with internal partners.

As a successful candidate, you’d ideally have the following skills and exposure:

• Post Graduate degree in Finance, Commerce, Accounting, or related discipline (MBA, CA, CFA, etc.)
• 2–4 years of experience in credit analysis, audit, or financial research (internships acceptable).
• Good understanding of financial statements and key ratios.
• Knowledge of financial modeling concepts.
• Strong Excel and PowerPoint skills.

• Analytical mindset and attention to detail.
• Eagerness to learn credit processes and policy frameworks.
• Team collaboration and clear communication skills.
• Organizational skills with ability and willingness to work under pressure and manage time and priorities effectively

Working at Citi is far more than just a job. A career with us means joining a family 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.

Take the next step in your career, apply for this role at Citi today

https://jobs.citi.com/dei

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Job Family Group: Risk Management

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Job Family:Credit Risk

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Time Type:Full time

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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.

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Other Relevant Skills For complementary skills, please see above and/or contact the recruiter.

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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.

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