Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi’s institutional clients. Within ICM, the Credit Underwriting function (“ICM UW” or “UW”) provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking and Commercial Banking relationships.

ICM Intermediate Credit Analyst will perform independent credit assessments, financial modeling, and valuations, and maintain ownership of periodic performance reviews. This role has responsibility for the Non Investment Grade portfolio, with a focus on Classified assets. The role requires analytical judgment and adherence to credit quality standards.

Role and Responsibilities

• Lead preparation of credit notes and valuations using multiple methodologies (DCF, market multiples, precedent transactions, etc.). 
• Conduct ratio, cash flow, and capital structure analyses to assess creditworthiness.
• Assess liquidity, debt capacity and other areas of financial and operating performance to evaluate areas of weakness and potential for turnaround, which is measured by setting and monitoring appropriate classification triggers.
• Monitor operating performance, identify potential red flags, and propose rating actions when needed. 
• Participate in management calls, analyze earnings transcripts, and prepare summary insights. 
• Ensure credit papers adhere to policy standards and contain accurate, well-supported recommendations. 
• Review work of junior analysts for quality and consistency. 
• Collaborate with internal stakeholders on exposure reviews, documentation, and portfolio analytics. 
• Basic understanding of credit agreements, monitoring covenants, etc.
•  Work closely with other colleagues (Senior Bankers and Senior Credit Officer-level transactors) to remain coordinated on the restructuring/valuation process and assess likely restructuring scenarios
• Manage assigned bilateral and syndicated portfolios
• Co-manage of accounts with internal partners.
• Review accounts in accordance with established policies and standards set by Citi
• 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.

Qualifications

• Postgraduate qualification such as MBA (Finance), CA, or CFA preferred.  
• Portuguese & English proficient required. Spanish is preferred.
• 3–5 years of relevant experience in credit, banking, or financial analysis roles.  
• Advanced Excel and modeling proficiency; working knowledge of databases (Bloomberg, Factset, Capital IQ) an advantage.  
• Strong grasp of credit principles, risk ratings, and financial covenants.  
• Advanced experience with the internal Policies, Standards, Procedures, Templates
• Strong accounting knowledge

Competencies

• Independent problem-solving and analytical depth. 
• Accuracy and structured writing skills for credit documentation. 
• Good interpersonal and time management skills.
• Solid organizational skills with ability and willingness to work under pressure and manage time and priorities effectively.

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Job Family Group:

Risk Management

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Job Family:

Credit Risk

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Time Type:

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Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

Portuguese Language.

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

 

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