The Credit Analyst 2 is a developing professional role. Deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. 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. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. 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.
**Responsibilities**:
- Spread new, renewal, interim financial statements and business/individual tax returns in accordance with bank guidelines (focus on more complex financial statements (i.e. Not-For-Profit).
- Provide succinct analysis based on customers, peers, the portfolio, and the industry.
- Provide preliminary analysis of simple to complex credits, including calculation of cash flow, debt service coverage, collateral coverage, and guarantor net worth.
- Coordinate with the Credit Officers, Credit Analysts, Other Credit Center Staff and Relationship Managers.
- Act in an advisory role for the Credit Officers/Relationship Managers on loan agreement/covenants clarification and monitoring.
- Provide leadership, training, and coaching to Credit Analyst I positions and back up support to the
- Application Preparation Team Manager.
- May act as an industry specialist with responsibility for SBA/EXIM loan analysis
**Qualifications**:
- 2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.
**Education**:
- 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.
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