Credit Analyst 2 - Financial Institutions

Discover your future at Citi

Working at Citi is far more than just a job. A career with us means joining a team of approximately 219,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

As a Credit Analyst, Financial Institutions, you will evaluate the financial strength of banks, broker-dealers, insurers and fintech companies across ANZ, ASEAN and Korea, directly shaping the credit decisions behind Citi's lending relationships. You will own end-to-end credit analysis, from financial spreading and market research to underwriting and credit memo writing, helping protect Citi's portfolio while supporting client growth across a diverse regional footprint. This role offers broad exposure to international markets and a clear path to build specialized credit and risk expertise.

Responsibilities

• Analyze financial trends, performance indicators and client data for banks, broker-dealers, insurers and fintech companies across ANZ, ASEAN and Korea, and present findings to the underwriting team for credit decisioning.
• Perform financial statement spreading using the Credit Platform to build accurate borrower profiles.
• Identify early warning signals of client risk through ongoing portfolio monitoring.
• Review client financial statements periodically to track evolving credit risk.
• Monitor compliance with financial covenants and borrowing base credit facility requirements.
• Conduct end-to-end credit underwriting, including market and industry analysis, and write credit memos that support lending decisions.
• Join underwriting managers on client site visits to strengthen understanding of borrower operations.
• Maintain compliance with Citi policies and escalate control issues with transparency to protect Citi's assets and reputation.

Required Qualifications & Skills

• 2-5 years of experience in credit analysis within a financial institution.
• Hands-on proficiency with financial spreading software.
• Experience across underwriting, financial spreading, market analysis and industry analysis.
• Proven ability to write credit memos that support lending decisions.
• Skilled at analyzing data to compare program results against expectations.
• Ability to develop credit strategies and criteria based on data insights.
• Bachelor's degree or equivalent professional experience.

What We Offer

Joining Citi's Financial Institutions credit team gives you exposure to a diverse portfolio of banking, insurance and fintech clients across multiple markets, backed by the scale and resources of a global bank.

• Work in a hybrid model with 3 days in the office and 2 days working remotely each week.
• Build credit analysis expertise across diverse markets including ANZ, ASEAN and Korea.
• Access structured learning and development programs to grow your credit and risk expertise.
• Collaborate with underwriting managers and cross-border teams on a global platform.
• Access wellbeing resources and programs that support work-life balance.
• Benefit from financial wellbeing resources and family support programs.

Apply now to build your credit analysis career across some of the world's most dynamic financial institution markets.

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Job Family Group:

Risk Management

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Job Family:

Credit Risk

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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