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Small Business Banking Credit Analyst

Company: Citigroup Inc.
Location: Irving
Posted on: May 3, 2021

Job Description:


The Retail Business Banking Credit Analyst will be responsible for accurately spreading business financial statements, provide initial risk assessment comments to Credit Officers and may be involved in credit structure and risk identification. Additional responsibilities include effective interaction with Credit Officers and Relationship Managers while providing assistance regarding the analysis of the applications. The Credit Analyst is also expected to provide input to help manage procedures, ensure data quality, assist with letter process, and maintenance and retention of credit files.


  • Spread financial statements in accordance with bank guidelines including complex financial statements.
  • Provide preliminary analysis of simple to complex credits, including calculation of cash flow, debt service coverage, collateral coverage, and guarantor net worth.
  • Coordinate and support Credit Officers, Loan Operations and Relationship Managers in day-to-day work associated with new originations and portfolio management.
  • Act in an advisory role for the Credit Officers/Relationship Managers on loan agreement/covenants clarification and monitoring.
  • Assist Credit Officers with preparation and review of Early Warning worksheets on high-risk clients, as well as preparation of default notices when necessary.
  • Assist Credit Officers with Ad Hoc projects from time to time relating to process and procedural improvements.


  • Bachelor's degree in finance, accounting, and/or business
  • At least 2 to 5 years of experience in a financial institution with a focus on credit analysis and spreading software
  • General knowledge of accounting, tax returns, financial regulations, financial products, and credit analysis


  • Analyze business and personal financial statements with respect to Citibank policies
  • Excellent organizational skills, attention to detail, and the ability to complete assignments in a timely manner
  • Ability to work independently and within a team
  • Proficient in Citirisk, Credit Analysis Tool, CMOS, Credit Platform, Microsoft Word and Microsoft Excel

Keywords: Citigroup Inc., Irving , Small Business Banking Credit Analyst, Other , Irving, Texas

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