Credit Intermediate Analyst, Officer

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

The Credit Analyst 2 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

• Spread new, renewal, interim financial statements and business/individual tax returns in accordance with bank guidelines (focus on more complex financial statements (i.e. Not-For-Profit).
• 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, debt service coverage, collateral coverage, and guarantor net worth.
• 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 forwarding for underwriting.
• Provide leadership, training, and coaching to Credit Analyst I positions and back up support to the
• Application Preparation Team Manager.
• May act as an industry specialist with responsibility for SBA/EXIM loan analysis
• 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.
• The ideal candidate must have extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, financial regulations, financial products, and credit 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, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

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

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