Credit Analysis & Valuation – Officer

Citi; Mumbai; On-site; INR 800,000 - 1,600,000; Full time

Job summary

Citi in Mumbai is seeking a Credit Analyst to support financial analysis for the Non-Investment Grade portfolio within Institutional Credit Management. You will contribute to credit analyses, underwrite credits, and support monitoring across corporate and commercial relationships.

The role emphasizes developing analytical foundations, data handling, and adherence to internal credit policies while coordinating with internal teams for data collection and audits.

Qualifications

• 3–6 years of experience in credit analysis, audit, or financial research.
• Good understanding of financial statements and key ratios.
• Knowledge of financial modeling concepts.
• Strong Excel, AI Prompt and PowerPoint skills.

Responsibilities

• Prepare financial models and company valuations using standard approaches such as comps and precedents.
• Draft credit notes, memos, and financial assessments under supervision.
• Spread financial statements per bank guidelines, calculate CF, DSCR, collateral and guarantor net worth.
• Track operating and financial performance, prepare quarterly monitoring reports and portfolio metrics.
• Assess liquidity, debt capacity and other performance areas to identify weakness and turnaround potential.

Skills

Analytical Thinking

Credible Challenge

Financial Analysis

Governance & Regulation

Risk Management Lifecycle

Education

Post Graduate degree in Finance or related discipline (MBA, CA, CFA)

Tools

Excel

PowerPoint

AI Prompt

Job description

Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism.

Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi’s institutional clients. Within ICM, the Credit Underwriting function (“ICM UW” or “UW”) provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking and Commercial Banking relationships.

ICM Credit Analyst will assist in financial and credit analysis activities across the portfolio. This role has responsibility for the Non-Investment Grade portfolio, with a focus on Classified assets. The role focuses on developing strong analytical foundations, data handling capabilities, and understanding credit processes.

In this role, you’re expected to:

• Support in preparing financial models and Company valuations using standard approaches (comparable company analysis, precedent transactions, etc.).
• Assist in drafting credit notes, memos, and financial assessments under supervision.
• Spread financial statements in accordance with bank guidelines including calculation of cash flow, debt service coverage, collateral coverage, and guarantor net worth.
• Track operating and financial performance, prepare quarterly monitoring reports, and update key portfolio metrics. Conduct Ratio analysis, and write operating performance commentary.
• Assess liquidity, debt capacity and other areas of financial and operating performance to evaluate areas of weakness and potential for turnaround, which is measured by setting and monitoring appropriate classification triggers.
• Ensure accurate recordkeeping and compliance with internal credit policies and procedures.
• Coordinate with internal teams for data collection, documentation, and audit requirements.
• Co-manage of accounts with internal partners.

As a successful candidate, you’d ideally have the following skills and exposure:

• 3–6 years of experience in credit analysis, audit, or financial research (internships acceptable).
• Good understanding of financial statements and key ratios.
• Knowledge of financial modeling concepts.
• Strong Excel, AI Prompt and PowerPoint skills.

Education:

• Post Graduate degree in Finance, Commerce, Accounting, or related discipline (MBA, CA, CFA, etc.)

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Job Family Group:

Risk Management

Job Family:

Credit Risk

Time Type:

Full time

Most Relevant Skills:

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

Other Relevant Skills:

For complementary skills, please see above and/or contact the recruiter.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

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