Citigroup Credit Risk Senior Analyst in Irving, Texas
Credit Risk Sr. Analyst Grade : AVP/C12 Locations : This position will work on-site in Irving, Texas POSITION SUMMARY The Delinquency Managed (DM) Credit Officer function is designed to provide a thorough, objective analysis of the financial condition and credit worthiness of borrowers and individuals, as well as analysis of prevailing industry and market conditions on submitted commercial loan requests. Analysis is performed through the examination and interpretation of historical and projected financial statements and related information, biographical data on a company and / or individual, market information and credit reports, with a focus on determining a borrower's repayment ability. All credit reviews and decisioning to be in compliance with internal credit risk policy guidelines. Credit Officer’s interface with and are expected to maintain strong working relationships with Small Business Banking Managers, Commercial Banking Relationship Managers, Credit / Risk Managers and customers to facilitate the lending process. The lending environment is volatile and it is expected that ongoing education will be necessary to ensure knowledge of the various products and services offered in the Commercial / Small Business Banking business. The ability to work independently and handle assigned transactions within the established turnaround standards is required. Loan requests / decisions – up to $250,000 (ORIGINATIONS) . RESPONSIBILITIES Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities 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 the 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 in order to determine 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 Small Business / Commercial Banking and the broader organization. Maintain compliance with Citibank credit policies / practices and regulatory policies, to ensure business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors. Support business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels. Work with management team on prioritization and implementation of approved actions. Other duties as required to support business unit and company goals. QUALIFICATIONS: Bachelor's degree in finance / accounting (preferred) or equivalent experience 2 - 5 years in a commercial / business credit underwriting environment reviewing credit transactions up to $250,000 or equivalent experience Expertise in underwriting business operating lines and term loans Previous credit authority experience Prior experience working in a regulatory and compliance policy environment SKILLS / ABILITIES: Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry / competitive analysis and projections Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process Excellent organizational skills, strong multi-tasking capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment Strong inter-personal and written / verbal communication skills Strong problem recognition and resolution skills Pro-active disposition with ability to work independently and within a team Proficient in various spreadsheet and word processing applications (Excel and Word), including the use of graphs and charts and financial analysis software ------------------------------------------------- Grade :All Job Level - All Job FunctionsAll Job Level - All Job Functions - US ------------------------------------------------------ Time Type :Full time ------------------------------------------------------ Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity. Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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 CLICK HERE . To view the "EEO is the Law" poster CLICK HERE . To view the EEO is the Law Supplement CLICK HERE . To view the EEO Policy Statement CLICK HERE . To view the Pay Transparency Posting CLICK HERE .
Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.
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