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Credit Analyst

https://www.citi.com/ Logo

Citi

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Location:
Mexico, Zapopan

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Category:
Finance

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Contract Type:
Employment contract

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Salary:

Not provided

Job Description:

The Credit Analyst 1 is a developing professional role responsible for monitoring, assessing, analyzing, and evaluating financial processes and data. The role includes responsibilities such as providing financial statement analysis, ensuring compliance with bank policies, assisting underwriters, and assessing risk in credit decisions.

Job Responsibility:

  • Accurately spreads business and personal financial statements and business and individual tax returns on a timely basis and in accordance with Generally Accepted Accounting Principles (GAAP) and Citibank policies
  • ensure that financial data for simple to complex credits are mapped appropriately into the bank's matrix and analysis tool
  • provides comments to the judgmental Underwriter on significant items in the financials and may be involved in credit structure and loan pricing
  • spread new, renewal and interim financial statements and business and 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
  • appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets

Requirements:

  • 0-2 years prior experience in a financial institution with a focus on credit analysis and spreading software
  • extensive knowledge of GAAP accounting, financial regulations, financial products, and credit analysis
  • ability to analyze business and personal financial statements with respect to GAAP and Citibank policies

Additional Information:

Job Posted:
March 22, 2025

Employment Type:
Fulltime
Work Type:
On-site work
Job Link Share:
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