Strategic Credit Analyst

Citi; New York (NY); On-site; USD 70,000 - 100,000; Full time

Job summary

Citi in New York is seeking a Credit Analyst to grow as a developing professional, applying analytical thinking to evaluate complex credits and prepare careful cash flow and collateral assessments.

You will spread financial statements, support loan decisions, coordinate with Credit Officers and Relationship Managers, and ensure accuracy and timeliness of underwriting packages. The role requires attention to detail and clear communication of findings across teams.

Qualifications

• Experience with financial statement analysis and bank-expected spreads.
• Knowledge of GAAP accounting and financial regulations.
• Ability to interpret data and communicate conclusions clearly.

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.
• Provide preliminary analysis of credits, including cash flow, debt service coverage, collateral, and guarantor net worth.
• Coordinate with Credit Officers, Credit Analysts, Other Credit Center Staff and Relationship Managers.
• Advise on loan agreements/covenants clarification and monitoring.
• Perform QA reviews to ensure application packages and analysis are thorough and accurate.
• Provide leadership and coaching to Credit Analyst I positions and support to the Applications Preparation Team Manager.
• May act as an industry specialist for SBA/EXIM loan analysis.
• Assess risk in business decisions, upholding Citi's reputation and compliance.

Skills

Analytical thinking

Attention to detail

Communication skills

Professional judgment

Credit analysis

Spreading software

GAAP knowledge

Education

Bachelor’s/University degree or equivalent experience

Tools

Spreading software

Job description

Citi in New York is seeking a Credit Analyst to grow as a developing professional, applying analytical thinking to evaluate complex credits and prepare careful cash flow and collateral assessments.

You will spread financial statements, support loan decisions, coordinate with Credit Officers and Relationship Managers, and ensure accuracy and timeliness of underwriting packages. The role requires attention to detail and clear communication of findings across teams.