Credit Intermediate Analyst, Officer

Citigroup Inc.; Taguig; On-site; PHP 1,842,751 - 3,071,253; Full time

Benefits offered by this job

Access to telehealth options

Paid Parental Leave

Financial well-being programs

Learning and development resources

Generous paid time off

Community volunteer opportunities

Job summary

Citigroup Inc. is looking for an Officer, Credit Intermediate Analyst in Taguig, Philippines. This hybrid position requires 2–5 years of experience in credit analysis and extensive knowledge of GAAP and financial regulations. Responsibilities include analyzing financial statements, coordinating with Credit Officers, and providing leadership to junior analysts. Citigroup offers comprehensive benefits, career development resources, and a supportive work environment.

Qualifications

• 2–5 years of previous experience in a financial institution focused on credit analysis.
• Extensive knowledge of GAAP, financial regulations, and credit analysis.

Responsibilities

• Analyze financial statements and tax returns per bank guidelines.
• Provide analysis on customers, peers, and industry.
• Calculate cash flow and collateral coverage.
• Coordinate with Credit Officers and Relationship Managers.
• Complete quality-assurance reviews of application packages.
• Provide leadership and coaching to Credit Analyst I positions.

Skills

Credit analysis

Loan-spreading software

GAAP knowledge

Financial analysis

Job description

We’re currently looking for a high caliber professional to join our team as Officer, Credit Intermediate Analyst – Hybrid (Internal Job Title: Credit Intermediate Analyst – C11) based in Citi Plaza, Taguig, Philippines.

Benefits

• Citi provides programs and services for your physical and mental well‑being including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country.
• We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That’s why in early 2020 we began rolling out our expanded Paid Parental Leave Policy to include Citi employees around the world.
• We empower our employees to manage their financial well‑being and help them plan for the future.
• Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses.
• We have a variety of programs that help employees balance their work and life, including generous paid time off packages.
• We offer our employees resources and tools to volunteer in the communities in which they live and work. In 2019, Citi employee volunteers contributed more than 1 million volunteer hours around the world.

Responsibilities

• Spread new, renewal, and interim financial statements and business/individual tax returns in accordance with bank guidelines, focusing on more complex financial statements such as 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 Credit Officers, Credit Analysts, other Credit Center staff, and Relationship Managers.
• Act in an advisory role for Credit Officers/Relationship Managers on loan agreement and covenant 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 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, ensuring compliance with applicable laws, rules and regulations, adherence to policy, sound ethical judgment, and transparent reporting of control issues.

Qualifications

• 2–5 years of previous experience in a financial institution focused on credit analysis and loan‑spreading software.
• Extensive knowledge of Generally Accepted Accounting Principles (GAAP), financial regulations, financial products, and credit analysis.

Equal Employment Opportunity Statement

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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