Credit Analyst II: Cash Flow & Covenant Specialist

Citigroup Business Process Solutions Pte. Ltd.; Pateros; On-site; PHP 600,000 - 1,200,000; Full time

Job summary

Citigroup Business Process Solutions Pte. Ltd. is seeking a Credit Analyst 2 to support the Risk Management and Credit Risk teams. The role focuses on complex credit analysis, cash flow, DSCR, and collateral evaluation with coordination across Credit Officers and Relationship Managers.

The candidate will spread financial statements, provide concise analyses, and participate in advisory discussions on loan covenants, ensuring accuracy and compliance with bank guidelines.

Qualifications

• 2–5 years in a financial institution with a focus on credit analysis and spreading software.
• Strong GAAP accounting knowledge and understanding of financial regulations and products.
• Experience with credit analysis and spreading software.

Responsibilities

• Spread new, renewal, interim financial statements and tax returns per bank guidelines.
• Provide succinct analysis based on customers, peers, the portfolio, and the industry.
• Preliminary analysis of simple to complex credits, including cash flow, DSCR, collateral coverage, and guarantor net worth.
• Coordinate with Credit Officers, Credit Analysts, other Credit Center Staff and Relationship Managers.
• Act as advisory on loan agreements and covenants clarification and monitoring.
• Quality assurance reviews to ensure application packages and analysis are thorough and accurate for underwriting.

Skills

Credit analysis

Spreading software

GAAP accounting

Education

Bachelor’s degree

Job description

Citigroup Business Process Solutions Pte. Ltd. is seeking a Credit Analyst 2 to support the Risk Management and Credit Risk teams. The role focuses on complex credit analysis, cash flow, DSCR, and collateral evaluation with coordination across Credit Officers and Relationship Managers.

The candidate will spread financial statements, provide concise analyses, and participate in advisory discussions on loan covenants, ensuring accuracy and compliance with bank guidelines.