Small Business Banking Credit Analyst
Company: Citigroup Inc.
Posted on: May 3, 2021
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
- 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
- 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
SKILLS / ABILITIES:
- 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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