Citi · 4 months ago
Commercial Lending Credit Analyst
San Francisco California United States
Full-time
Hybrid
Entry, Mid Level
$86K/yr - $120K/yr
1+ years expCiti is a rapidly growing commercial bank targeting mid- to larger-sized companies in North America. They are seeking a Commercial Lending Credit Analyst to facilitate the lending process, support credit underwriting, and monitor portfolio risk while collaborating with various stakeholders to deliver financial solutions.
BankingFinanceFinancial Services
Responsibilities
Facilitate the end-to-end lending process within the NAM CCB for the assigned relationships and portfolio
Rapidly develop knowledge of assigned portfolio and industry, and create well-supported analysis that effectively balances risk and business objectives
Ensure appropriate regulatory classification and minimizing net credit losses for covered portfolio, as well as identify emerging areas of concerns that should be escalated
Produce the underlying analysis and workflow supporting underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, including the related diligence
Timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio
Facilitate the loan documentation process for both new transactions and amendments or modifications; including coordination with internal partners and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents
Attend periodic meetings regarding covered portfolio clients and select new to bank opportunities in partnership with CLM Credit Officer and the Relationship Management team
Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients
Mentor and develop more junior staff and other support to become effective resources and future contributors
Recommend and champion changes to improve existing processes to achieve greater efficiency and controls
Work proactively, and in a constructive and diplomatic manner, with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls
Qualification
Required
1-3 years of banking, finance or related experience in credit underwriting, portfolio and/ or risk management with a multinational financial services organization
Knowledge of basic accounting and financial concepts and their practical application in the credit underwriting process
Excellent communication (written, verbal, presentation and listening) and organizational skills; ability to complete multiple priorities in a timely manner
Demonstrates learning agility: seeks out resources and experience to continually build knowledge/skills; quickly and successfully applies learning to new situations
Proficient in spreadsheet, word processing and presentation applications, including strong data visualization skills
Bachelor's degree; advanced degree(s) and other certifications considered but not required
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
Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress.
10001+ employees
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)
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2025 (1386)
2024 (849)
2023 (1375)
2022 (1117)
2021 (876)
2020 (901)
Funding
Current Stage
Late StageLeadership Team
James Monahan
Managing Director / Global Head of Asset Servicing
Naveed Sultan
Managing Director, Chairman, Institutional Clients Group
Recent News
2026-01-20
2026-01-15
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