Responsibilities:

• Provides analysis of a business’ financial trends, indicators and other client data for presentation to the Underwriting Manager for further discussion and consideration.
• Assess the credit and financial strength of Citi’s Corporates, Financial Institutions, Sovereigns & Public Sector clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.
• Complete Credit Analysis Write-up Memos and assign internal ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite.
• Compliance with Citibank policies to ensure satisfactory ratings from internal and external auditors.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm’s reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Knowledge/Experience:

• Demonstratable financial services experience, including 4-5 years of credit experience in a financial institution with a focus on credit analysis and spreading software.
• Knowledge of Wholesale Credit Processes and organizational awareness including ICM UW functions, covered portfolios, and processes.
• Understanding of Citi policies and procedures with the ability to execute change seamlessly.
• Demonstrate analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to form independent opinions on credit and recognize emerging risks.