Credit Analyst

• Spread new, renewal, interim financial statements and business/individual tax returns in accordance with bank guidelines
• 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

• 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
• knowledge of financial regulations, financial products, and credit analysis

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