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Career Opportunity

Credit Analyst

  • Primary Location: India,Maharashtra,Mumbai
  • Education: Master's Degree
  • Job Function: Credit
  • Schedule: Full-time
  • Shift: Day Job
  • Employee Status: Regular
  • Travel Time: Yes, 10 % of the Time
  • Job ID: 19004525



  • The job primarily entails analyzing financial statements and writing credit appraisals for customers
  • The analyst needs to processes incoming credit requests, complete necessary due diligence and ensure timely completion of credit underwriting/CA including any interim transaction request
  • Conduct an objective and thorough credit analysis of the financial condition and credit-worthiness of existing and new to bank borrowers using analysis of historical and projected financial statements, biographical data, market information, credit reports and other data and identify key transactional risks and mitigants
  • Structuring credit proposals aligned with risk standards and with understanding the client’s strategic and financial objectives/needs
  • Engage directly with customers on a periodic basis to monitor customers business health and give assessments and early warnings
  • Maintain in depth knowledge of Citi credit and policies and practices and applicable local and US regulations to assist the Business in achieving compliance and satisfactory internal and external audit results
  • Continue to generate ideas for improving lending process efficiency
  • Training and Development
  • Complete all relevant training (classroom and/or self-paced)
  • Build and maintain a sound understanding of Citi products, policies and processes (within Commercial Banking and the broader organization)


Requisite Qualifications:

  • Excellent analytical skills and experience in credit/finance domain
  • At least 2-3 years of relevant work experience in credit domain
  • Strong work ethic, clarity of thought and ability to communicate point of view
  • Proficient in spreadsheet (Excel) and other office applications
  • Ability to handle high volume, work under pressure and prioritize
  • Ability to propose appropriate credit structure