Citibank, N.A. seeks a Credit Risk Senior Analyst for its Irving, Texas location.
Duties: Focus on the rigorous internal analysis and subsequent underwriting of Consumer Goods, Retail and Healthcare portfolio as part of internal portfolio management and transaction requests. Manage a dedicated portfolio of clients via continuous monitoring of their financial performance, industry trends, and overall creditworthiness to proactively identify risks and opportunities. Review and standardize the client-provided financial data (e.g., annual reports, quarterly statements) to align with Citi's internal accounting and analysis guidelines. Compute a comprehensive suite of critical financial ratios, essential for evaluating various facets of a company's performance. Perform in-depth qualitative and quantitative reviews of the core financial statements, Income Statement, Balance Sheet and Cash Flow. Conduct several additional layers of analysis, including industry, covenant, capital/corporate structure, and modeling. Ensure adherence to Citi’s Wholesale Credit Policy, ensuring all analysis and underwriting decisions strictly comply with/align with both internal risk appetite and external regulatory requirements. Perform the comprehensive analysis needed to derive the internal risk ratings for each client via Debt Rating Models/Scorecards. A telecommuting/hybrid work schedule may be permitted within a commutable distance from the worksite, in accordance with Citi policies and protocols.
Requirements: Requires a Master’s degree or foreign equivalent in Finance, Business Administration, Accounting, Economics or related field and 3 years of experience as a Financial Analyst, Credit Analyst, Senior Financial Data Analyst, Associate or related position compiling and preparing the data that is used to derive internal risk rating for clients. Will also accept a Bachelor’s degree or foreign equivalent in the above disciplines and 5 years of progressive, post baccalaureate experience as listed above. 3 years of experience must include: Writing credit memorandums regarding Credit Risk financial statement analysis, covenant analysis, Peer comp, Industry analysis, Leverage ratios, Liquidity, repayment capacity, financial spreading, and collateral analysis; Modeling/forecasting performance for client based on disclosed information from the client, industry trends, and macro environment. Using FactSet to extract borrower’s information related to debts, its peers and consensus estimates used for projections, and information related to any transactions or M&A related to borrower; and Using S&P CAPIQ to extract borrower’s Capital structure information. Applicants submit resumes at https://jobs.citi.com/. Please reference Job ID #26950002. EO Employer.
Wage Range: $123,968 to $123,968
Job Family Group: Risk Management
Job Family: Credit Decisions
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Primary Location:
Irving Texas United States------------------------------------------------------
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In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
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Most Relevant Skills
Please see the requirements listed above.------------------------------------------------------
Other Relevant Skills
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Anticipated Posting Close Date:
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