Credit Analyst: Sharp Financial Analysis & Risk

Citigroup; San Bartolo Naucalpan Centro; Presencial; MXN 360.000 - 420.000; Jornada completa

Descripción de la vacante

Citi is seeking a Credit Analyst 1 to support the evaluation of financial statements, assess credit risk and assist with underwriting guidance. This entry-level role involves spreading and analyzing financial data while ensuring adherence to Citi policies.

You will spread financial statements, analyze cash flow and debt service coverage, coordinate with officers and relationship managers, and help ensure compliance with GAAP and Citi policies.

Formación

• 0-2 years prior experience in a financial institution with a focus on credit analysis and spreading software.
• Extensive knowledge of GAAP accounting, financial regulations, financial products, and credit analysis.
• Ability to analyze business and personal financial statements with respect to GAAP and Citibank policies.

Responsabilidades

• Spread business and personal financial statements and tax returns on a timely basis and in accordance with GAAP and Citibank policies.
• Ensure that financial data for simple to complex credits are mapped appropriately into the bank's matrix and analysis tool.
• Provide comments to the judgmental Underwriter on significant items in the financials and may be involved in credit structure and loan pricing.
• Spread new, renewal and interim financial statements and tax returns in accordance with bank guidelines.
• Provide succinct analysis based on customers, peers, the portfolio, and the industry.
• Provide preliminary analysis of simple to complex credits, including calculation of cash flow and debt service coverage.
• Coordinate with the Credit Officers, Credit Analysts, Other Credit Center Staff and Relationship Managers.
• Act in an advisory role for the Credit Officers/Relationship Managers on loan agreement/covenants clarification and monitoring.
• Complete quality assurance reviews to ensure application packages and analysis are thorough and accurate prior to underwriting.
• May act as an industry specialist with responsibility for SBA/EXIM loan analysis.
• Assess risk in business decisions with emphasis on regulator and Citi policies.

Conocimientos

Analytical Thinking

Credible Challenge

Financial Analysis

Governance

Policy

Procedure

Regulation

Risk Management Lifecycle

Educación

Bachelor's degree or equivalent experience

Crediting Analysis (Credit Analysis)

Financial Indicators

New Graduates Feasible with Financial Knowledge

Descripción del empleo

Citi is seeking a Credit Analyst 1 to support the evaluation of financial statements, assess credit risk and assist with underwriting guidance. This entry-level role involves spreading and analyzing financial data while ensuring adherence to Citi policies.

You will spread financial statements, analyze cash flow and debt service coverage, coordinate with officers and relationship managers, and help ensure compliance with GAAP and Citi policies.