Credit Analyst

About Citi Bank

Citigroup safeguards the wealth, provides loans, makes invoices, and assesses the resources in place of its consumers. It helps in making connections among individuals around the globe. It also plays a role in guiding its clients about investments. It also finances and helps the government to all extents to make a strong base of the country like schemes for houses, transport, and other important requirements of the people. 

Your role

Credit Analyst 1 is a developing professional role.

• Applies specialty area knowledge in monitoring, assessing, analyzing, and/or evaluating processes and data. Identifies policy gaps and formulates policies. Interprets data and makes recommendations.
• Researches and interprets factual information.
• Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures, or practices.
• Integrates established disciplinary knowledge within own specialty area with a basic understanding of related industry practices.
• Good understanding of how the team interacts with others in accomplishing the objectives of the area.
• Develops working knowledge of industry practices and standards.
• Limited but direct impact on the business through the quality of the tasks/services provided.
• The impact of the job holder is restricted to their own team.

Your responsibilities

• Accurately spreads business and personal financial statements and business and individual tax returns on a timely basis and in accordance with Generally Accepted Accounting Principles (GAAP) and Citibank policies.
• Ensure that financial data for simple to complex credits are mapped appropriately into the bank's matrix and analysis tool.
• Provides comments to the judgmental Underwriter on significant items in the financials and may be involved in credit structure and loan pricing. Additional responsibilities may include being a specialist for a designated industry and effective interaction with Credit Officers and Relationship Managers while providing assistance regarding the analysis of the applications.

To learn more about the responsibilities click on the "Apply on employer site" button below.

Training, development & rotations

At Citi, you’ll have the opportunity to grow your career, give back to your community, and make a real impact. At Citi, you will work alongside some of the smartest minds in the industry who are excited to share their knowledge and to learn from you. From analysts to executives, people operate as one team where each voice is heard and each perspective is appreciated.

You will have an opportunity to work with colleagues from unique backgrounds and experiences on projects and solutions that are equally diverse. They believe that diversity makes them stronger, and they actively work to ensure that their team is inclusive and representative of the amazing people they serve.

Salary & benefits

The average annual salary for this role will range from INR 3.5 to 4 LPA (Source: AmbitionBox). Some of the core benefits offered by Citibank to all its employees include;

• Medical, dental, and vision coverage
• Retirement plans
• Life, accident, income protection, and disability insurance.
• Wellness programs
• Non-core benefits and allowances vary by region and country and may include meal and housing stipends, education assistance, childcare resources, and transportation programs.

To know more details about benefits click here

Career progression

Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses. They have a variety of programs that help employees balance their work and life, including generous paid time off packages.

Citi encourages the freshers to join and polish their abilities. They provide training during the job through experienced individuals working at the global bank. They focus on providing opportunities in different regions to bring diversity.

Work-life balance

It has a good work environment and flexible working hours. Citi is very flexible about the time and place of work for employees. They provide work-from-home options depending on the needs of the role.

Culture & vibe

Citi is committed to a diverse and inclusive workforce that represents the places where they operate and the clients they serve. Citi believes in a workplace where everyone feels comfortable coming to work as their whole self every day. Their culture of belonging and inclusivity makes Citi a place where everyone can thrive and advance their careers.

Citi values the unique backgrounds, identities, and experiences its employees bring to work every day. Citi is truly committed to fostering a culture of inclusion where they champion success, regardless of race, ethnicity, or any other factor of diversity.

About You

To apply for this role, you must have the qualification and desired key skills as stated below;

Qualifications:

• 0-2 years prior experience in a financial institution with a focus on credit analysis and spreading software.
• Extensive knowledge of GAAP accounting, financial regulations, financial products, and credit analysis.
• Ability to analyze business and personal financial statements with respect to GAAP and Citibank policies.

Education:

• Bachelor’s/University degree or equivalent experience

How to apply

To apply for this role, just click on the "Apply on employer site" button, which navigates to the career section where the application can be submitted easily.

Recruitment depends upon the diversification of the people, which can bring diversity in ideas. Citi digitally tests people through which identification of the right candidate takes place. The team members also give pieces of advice to the candidates selected for the interview, encouraging them to make their best efforts.