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Citi · 3 weeks ago

Credit Underwriting Analyst

Getzville New York United States

Full-time

Hybrid

Entry, Mid Level

$61K/yr - $85K/yr

2+ years exp

Citi is enhancing its business control and governance framework through its Institutional Credit Management (ICM) division. The Credit Underwriting Analyst will be responsible for credit analysis, underwriting, and monitoring of a portfolio of relationships, ensuring effective credit risk management for Citi's institutional clients.

BankingFinanceFinancial Services

H1B Sponsor Likely

Responsibilities

Assess the credit and financial strength of Citi’s Large Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors

Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR) of Citi’s Counterparties based on independent assessment and judgement; completed based on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Citi’s risk appetite

Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Team Leads, senior management, and business partners

Partnership with applicable regional and industry stakeholders in in the implementation of credit assessment and monitoring standards for applicable portfolios

Support ICM Risk Analysis Voice of the Employee (VOE) initiatives

Travel (less than 10%)

Qualification

Credit AnalysisRisk ManagementFinancial ModelingGAAP AccountingMicrosoft OfficeAnalytical ThinkingInterpersonal SkillsOrganizational SkillsCommunication Skills

Required

2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software

Degree in Quantitative Fields such as Economics, Engineering, Operations Research, Business Finance, or Mathematics

Previous experience in credit risk management or equivalent training and experience preferably in the financial services industry

Ability to apply credit and risk principles toward business goals

Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency

Must be highly organized and able to work in a fast-paced environment managing multiple projects and possess effective interpersonal, organizational and analytic skills

Bachelor's/University degree or equivalent experience

Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile, etc.) with the ability to identify root causes and trends and anticipate horizon issues

Demonstrates considerable knowledge of financial statements and GAAP accounting or similar governance relating to country of operation

Displays robust industry research capabilities, including risk and key drivers

Strong understanding of Credit Policy and procedures; proactively refers to resources as needed

Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly

Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more

Embraces the need for change and appreciates its benefits with natural curiosity

Demonstrates professionalism by being reliable, actively contributing to meetings, asking questions, and challenging ideas

Strong interpersonal skills, with the ability to build relationships

Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively

Solid written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority

Proficient Microsoft Office (Word, Excel, and PowerPoint) skills

Progressive experience with the internal Policies, Standards, Procedures, Templates and with financial modeling

Benefits

Medical, dental & vision coverage

401(k)

Life, accident, and disability insurance

Wellness programs

Paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays

Company

Citi

Glassdoor3.8

Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress.

Founded in 1812

San Antonio, Texas, USA

10001+ employees

https://www.citi.com

H1B Sponsorship

Citi has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Trends of Total Sponsorships

2025 (1386)

2024 (849)

2023 (1375)

2022 (1117)

2021 (876)

2020 (901)