Citi Community Capital - Credit Analyst 2
Citigroup Inc., Irving, TX, United States
Credit Analyst 2
The Credit Analyst 2 is a developing professional role that deals with most problems independently and has some latitude to solve complex problems. It integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices and a good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. It applies analytical thinking and knowledge of data analysis tools and methodologies and 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 and breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required to exchange potentially complex/sensitive information. The role has a moderate but direct impact through close contact with the businesses' core activities, and the quality and timeliness of service provided will affect the effectiveness of the own team and other closely related teams.
Spread new, renewal, interim financial statements and business/individual tax returns in accordance with bank guidelines (focusing on complex financial statements such as Not-For-Profit).
Provide succinct analysis based on customers, peers, portfolio, and 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 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; 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.
2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.
Extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, financial regulations, financial products, and credit analysis.
Bachelor’s/University degree or equivalent experience.
Other job-related duties may be assigned as required.
Underwriting Analyst – Affordable Housing Underwriting Team
Institutional Credit Management (ICM) is seeking an Underwriting Analyst to join its Affordable Housing Underwriting Team to support ongoing credit monitoring responsibilities for Citi Community Capital (CCC). The CCC provides a suite of financial products to help affordable housing developers construct, rehabilitate, refinance, and acquire affordable multifamily housing across the country, financing both straightforward and highly structured transactions for non‑profit and for‑profit developers, Community Development Financial Institutions, and state and local government agencies. The mission of CCC is to be the preferred financial partner for affordable housing developers, non‑profits and governmental entities focused on community development while delivering superior financial performance and inclusive experiences for employees.
Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients, owning responsibility for sound credit decisions and compliance with internal procedures, credit risk policy guidelines and standards.
Prepare a detailed written credit summary of commercial applicants requesting credit by analyzing the business, interpreting the finance need, identifying strengths and prevailing risk factors and rendering a final credit decision.
Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information.
Perform credit and personal financial statement analysis on individuals, guarantors and co‑borrowers to assess repayment capacity based on cash flow statements, tax returns and statements.
Perform industry and geographical research and other due diligence as needed.
Maintain a solid understanding of Citibank products and services within Citi Community Capital and the broader organization.
Maintain compliance with Citibank credit policies/practices and regulatory policies, ensuring the business unit adheres to the above and receives satisfactory ratings from internal and external auditors.
Other duties as required to support business unit and company goals.
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets; 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.
2-5 years relevant experience.
Previous experience in credit risk management or equivalent training and preferably in the financial services industry.
Ability to apply credit and risk principles toward business goals.
Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency.
Highly organized and able to work in a fast‑paced environment managing multiple projects and possess effective interpersonal, organizational and analytic skills.
Bachelor's/University degree or equivalent experience.
Other job‑related duties may be assigned as required.
Primary Location: Irving, Texas, United States. Time Type: Full time. Salary Range: $76,230.00 - $106,370.00.
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.
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The Credit Analyst 2 is a developing professional role that deals with most problems independently and has some latitude to solve complex problems. It integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices and a good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. It applies analytical thinking and knowledge of data analysis tools and methodologies and 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 and breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required to exchange potentially complex/sensitive information. The role has a moderate but direct impact through close contact with the businesses' core activities, and the quality and timeliness of service provided will affect the effectiveness of the own team and other closely related teams.
Spread new, renewal, interim financial statements and business/individual tax returns in accordance with bank guidelines (focusing on complex financial statements such as Not-For-Profit).
Provide succinct analysis based on customers, peers, portfolio, and 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 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; 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.
2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.
Extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, financial regulations, financial products, and credit analysis.
Bachelor’s/University degree or equivalent experience.
Other job-related duties may be assigned as required.
Underwriting Analyst – Affordable Housing Underwriting Team
Institutional Credit Management (ICM) is seeking an Underwriting Analyst to join its Affordable Housing Underwriting Team to support ongoing credit monitoring responsibilities for Citi Community Capital (CCC). The CCC provides a suite of financial products to help affordable housing developers construct, rehabilitate, refinance, and acquire affordable multifamily housing across the country, financing both straightforward and highly structured transactions for non‑profit and for‑profit developers, Community Development Financial Institutions, and state and local government agencies. The mission of CCC is to be the preferred financial partner for affordable housing developers, non‑profits and governmental entities focused on community development while delivering superior financial performance and inclusive experiences for employees.
Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients, owning responsibility for sound credit decisions and compliance with internal procedures, credit risk policy guidelines and standards.
Prepare a detailed written credit summary of commercial applicants requesting credit by analyzing the business, interpreting the finance need, identifying strengths and prevailing risk factors and rendering a final credit decision.
Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information.
Perform credit and personal financial statement analysis on individuals, guarantors and co‑borrowers to assess repayment capacity based on cash flow statements, tax returns and statements.
Perform industry and geographical research and other due diligence as needed.
Maintain a solid understanding of Citibank products and services within Citi Community Capital and the broader organization.
Maintain compliance with Citibank credit policies/practices and regulatory policies, ensuring the business unit adheres to the above and receives satisfactory ratings from internal and external auditors.
Other duties as required to support business unit and company goals.
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets; 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.
2-5 years relevant experience.
Previous experience in credit risk management or equivalent training and preferably in the financial services industry.
Ability to apply credit and risk principles toward business goals.
Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency.
Highly organized and able to work in a fast‑paced environment managing multiple projects and possess effective interpersonal, organizational and analytic skills.
Bachelor's/University degree or equivalent experience.
Other job‑related duties may be assigned as required.
Primary Location: Irving, Texas, United States. Time Type: Full time. Salary Range: $76,230.00 - $106,370.00.
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.
#J-18808-Ljbffr