• Performs in-depth financial statement analysis to manage new and existing relationships with exposures >$250M in addition to high risk credits.
• Integrates in-depth credit operations knowledge with a solid understanding of industry standards and practices.
• Uses judgment to complete more complex credit transactions with direct business impact.
• Oversees credit application process to include credit verification and determines credit limits.
• Performs analysis of credit reports, financials, etc. to provide the status on credit and operating statements.
• Applies analytical thinking and knowledge of credit analysis tools and methodologies.
• May serve on special project teams as assigned.
• Mentor lower level analysts.
• Additional assignments as business needs are identified.

• Bachelor's degree or equivalent experience required (Graduate School experience desired)
• Understanding of business needs/requirements
• Five+ years Credit Analysis experience required
• Previous commercial credit authority preferred
• Good corporate and merchant credit and exposure analysis skills
• Strong process and project management skills
• Previous demonstrated ability to read and interpret commercial credit bureaus, analyze trade experience, and utilize external financial resources to underwrite commercial credit requests is required
• Demonstrated commercial underwriting/analysis experience
• Strong analytical skills
• Strong communication skills; bother written and verbal
• Proficient working knowledge of Windows and Excel
• Typing skills required
• Phone etiquette skills required
• Strong customer service skills
• Multi-tasking in a high volume environment required
• Demonstrated Commercial Financial Statement analysis
• Moody's MFA/Spreading experience
• Prior lending authority desired
• Broad based underwriting knowledge, and 5+ years decision-making experience

Citi enables growth and progress for individuals, communities, institutions and governments around the world and has been doing so for more than 200 years. They recognize that their ability to best serve their clients and customers comes from the diverse and engaged employee base and they work tirelessly to deliver opportunities for growth and development to the most talented people. This is a place where the best come to get better.