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Intermediate Credit Associate Analyst

Job Req ID 21350810 Primary Location Roy, Utah; Jacksonville, Florida; Irving, Texas Job Category Risk Management
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The Intermed Assoc Credit Analyst is a developing professional role which integrates in-depth specialty knowledge with a solid understanding of industry standards and practices; demonstrates good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.


  • Uses commercial credit underwriting skills to analyze and assess requests primarily for larger exposure commercial customers.
  • Manually analyzes and decisions unsecured commercial credit underwriting requests from new and existing customers and make recommendations for requests within a limited period of time in accordance with credit department policies.
  • Employs decisioning to meet bank, partner and customer credit requirements. Takes ownership to resolve issues/ inquiries with warm caring and individualized attention using a variety of resources and systems.
  • Performs financial analysis and makes recommendations on new and existing credits and exposures.
  • Assists applicants requesting large lines of credit by analyzing the customer, interpreting the request, identifying the risk factors, performing a risk assessment, and providing a summary and recommendation in the processing system.
  • Ensures adherence to company and credit policies, auditing procedures and department goals and standards.
  • Identifies and escalates credit policy opportunities through system/strategy testing and procedural reviews.
  • Performs efficiently while maintaining quality.
  • Demonstrates an understanding of customer issues and offers appropriate options to bring issues to resolution
  • Expected to perform efficiently while maintaining a high quality and exceptional customer service.
  • Credit Underwriter should be emphatic, utilize a respectful tone.
  • The Credit Underwriter will ensure the customer has a clear understanding of resolutions discussed and will share job knowledge concerning underwriting.
  • Meets all contractual and regulatory turn-around times.
  • Fosters and promotes teamwork and good morale
  • Performs special projects as delegated by the needs of the Credit manager, other management, customer, or partner.
  • Provides on-going, reliable input to management relevant to operational problems, issues, risks, and other matters.
  • Performs other duties and functions as assigned
  • 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.


  • 2-5 years related experience
  • Ability to read and interpret Commercial Credit bureau, to analyze trade experience, and utilize external financial resources to underwrite credit requests; Demonstrated Consumer or Commercial Underwriting skills


  • Bachelor’s/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.


Job Family Group:

Risk Management


Job Family:

Credit Decisions


Time Type:

Full time


Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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 review Accessibility at Citi.

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