**Responsibilities**:- Makes decisions in accordance with credit department policies.- Employs decisioning for multi-merchant locations to meet customer credit requirements.- Takes ownership to resolve issues/inquiries with rapport building, individualized attention using a variety of resources.- Performs financial analysis and makes recommendations on new and existing credits and exposures.- Assesses credit worthiness by analyzing various commercial credit vehicles including financial statements (Balance Sheet, Income Statement, and Statement of Cash Flow), commercial credit bureau reports (Dun and Bradstreet, Experian & Equifax), SEC Filings, bond ratings, grants, tax returns, letters of credit, and budgetary information.- Prepares a Credit Analysis Summary (CAS) of Commercial 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.- Mentor lower level analysts.
**Qualifications**:- 5-8 years relevant experience- Previous Credit Analysis experience required.- Previous commercial credit authority preferred.- Good corporate and merchant credit and exposure analysis skills.- Excellent process and project management skills.- Ability to read and interpret commercial credit bureaus, analyze trade experience, and utilize external financial resources to underwrite credit requests.- Demonstrated commercial underwriting experience.- Proven analytical and communication skills; both written and verbal- Proficient working knowledge of Windows and Excel.
**Education**:- Bachelor's/University degree or equivalent experienceThis job description provides a high-level review of the types of work performed.
Other job-related duties may be assigned as required.Responsable del análisis y autorización de crédito de un portafolio de clientes de CCB, así como del monitoreo y seguimiento de los mismos desde su originación hasta su terminación.
Adicionalmente, participar activamente en el seguimiento del portafolio, aplicación de políticas internas y regulatorias y entrenamiento de Analistas y Jr. Underwriters.- **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.View the "**EEO is the Law**" poster.
View the **EEO is the Law Supplement**.View the **EEO Policy Statement**.View the **Pay Transparency Posting