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Tier-1 bank, entry-level credit role, and metro location drive high candidate competition.
Specialized banking credit analysis and GAAP knowledge limit easy transfer across industries, so sensitivity is high.
Explicit 0-2 years, banking credit experience, GAAP and spreading software requirements raise filter strictness to medium.
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Perform financial statement spreading and analysis for simple to complex credits in accordance with GAAP and Citibank policies.
Provide preliminary credit analysis including cash flow, debt service coverage, collateral coverage, and guarantor net worth calculations.
Coordinate with Credit Officers and Relationship Managers; perform quality assurance reviews and advise on loan agreements and covenant monitoring.
0-2 years experience in a financial institution focused on credit analysis and spreading software.
Bachelor’s/University degree or equivalent experience.
Extensive knowledge of GAAP accounting, financial regulations, financial products, and credit analysis.
Not explicitly mentioned in the JD: notice period or strict location requirements.
Developing professional with foundational credit risk knowledge and some exposure to industry practices.
Detail-oriented with ability to identify data inconsistencies and provide accurate financial analysis.
Capable of collaborating with credit and relationship teams, supporting underwriting processes, and acting as an advisory resource.