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Tier-1 bank, metro location, common entry-level credit role and generalist skill requirements increase candidate competition.
Credit analysis is finance-specific, limiting transferability outside banking, lending, and financial institutions.
Explicit 0–2 years, GAAP and spreading software requirements create moderate screening filters.
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Own the accurate spreading and analysis of business and personal financial statements and tax returns, ensuring compliance with GAAP and Citibank policies.
Provide preliminary credit analysis including cash flow, debt service, collateral coverage, and guarantor net worth calculations for simple to complex credits.
Collaborate with Credit Officers, Relationship Managers, and other credit staff, advising on loan agreements, covenants, and performing quality assurance on credit applications.
0-2 years prior experience in credit analysis within a financial institution, with knowledge of spreading software.
Extensive knowledge of GAAP accounting, financial regulations, financial products, and credit analysis methods.
Bachelor’s or University degree or equivalent experience.
Ability to analyze financial statements in compliance with GAAP and Citibank policies.
Developing credit analyst comfortable working within one team, supporting underwriting and credit decisions with sound financial analysis.
Detail-oriented professional capable of interpreting complex financial data and identifying inconsistencies or risks.
Effective collaborator who can coordinate with credit officers and relationship managers in a structured credit risk environment.