Credit Analyst I – Hybrid, Growth-Focused

Citi; New York (NY); Hybrid; USD 9,800 - 17,000; Full time

Job summary

Citi is hiring a Credit Analyst 1 in Naucalpan, Mexico, offering a hybrid work arrangement. The role develops professional expertise in evaluating financial statements, assessing credit risk, and supporting loan structuring for diverse clients.

The position requires strong analytical skills, knowledge of GAAP, and the ability to collaborate with Credit Officers and Relationship Managers while ensuring compliance with Citi policies.

Qualifications

• 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.

Responsibilities

• Accurately spreads business and personal financial statements and business and individual 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.
• Provides 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 business and individual tax returns in accordance with bank guidelines (focus on more complex financial statements).
• 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.
• 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.

Skills

Analytical Thinking

Credible Challenge

Financial Analysis

Governance

Policy & Procedure

Risk Management

Education

Bachelor’s Degree or Equivalent

Job description

Citi is hiring a Credit Analyst 1 in Naucalpan, Mexico, offering a hybrid work arrangement. The role develops professional expertise in evaluating financial statements, assessing credit risk, and supporting loan structuring for diverse clients.

The position requires strong analytical skills, knowledge of GAAP, and the ability to collaborate with Credit Officers and Relationship Managers while ensuring compliance with Citi policies.