Credit Risk Analyst

Citigroup Inc.; Gurugram District; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Citigroup Inc. is seeking a Credit Risk Intmd Analyst in Gurugram to analyze financial trends and client data, support underwriting decisions, and manage risk across borrowing relationships.

The role emphasizes accuracy, adherence to policy, and collaboration with cross-functional teams. The candidate should have 2–5 years in credit analysis, be proficient with spreading software, and demonstrate professional judgment in risk assessment.

Qualifications

• 2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.
• Experience analyzing financial statements and assessing credit risk.

Responsibilities

• Provides analysis of a business' financial trends, indicators and other client data for presentation to the Underwriting Manager.
• Manages risk for new and existing borrowing relationships and monitors covenants.
• Performs spreads of client business financial statements.
• Creates Customer Accounting Systems through Credit Platform.
• Recognizes potential client risk through early warning systems.
• Ensures compliance with Citibank policies and audits.

Skills

Analytical Thinking

Credible Challenge

Financial Analysis

Governance

Policy

Procedure

Regulation

Risk Management Lifecycle

Education

Bachelor's degree or equivalent

Tools

Spreading software

Job description

The Credit Risk Intmd Analyst is a developing professional role. Deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.

Responsibilities:

• Provides analysis of a business' financial trends, indicators and other client data for presentation to the Underwriting Manager for further discussion and consideration.
• Manages the risk associated with new and existing borrowing relationships through the following:
• Performs spreads of client business financial statements
• Creates Customer Accounting Systems' through Credit Platform
• Recognizes potential client risk through early warning systems
• Performs periodic financial statement review
• Tracks established financial covenants
• Monitors compliance to borrowing base credit facility
• Accompanies Underwriting Manager on customer site visits (when appropriate)
• Compliance with Citibank policies to ensure satisfactory ratings from internal and external auditors.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications:

• 2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.
• Analyze program results vs expectations / Develop Strategies and Criteria / Gather data and prepare data for analysis

Education:

• Bachelor's/University degree or equivalent experience

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

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Job Family Group:

Risk Management

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Job Family:

Credit Risk

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Time Type:

Full time

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Most Relevant Skills

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

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Other Relevant Skills

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

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