Responsibilities
:
1. Interface with and support bankers in underwriting requests formercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions andpliance with internal procedures/credit risk policy guidelines and standards.
2. Prepare a detailed written credit summary ofmercial applicants requesting credit by analyzing the business, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision.
3. Review detailed financial analysis onpanies, including trend and ratio analysis, and interpret the financial information.
4. Review credit and personal financial statement analysis on individuals, guarantors, and co-borrowers in order to assess repayment capacity based on cash flow statements, tax returns, and statements.
5. Review industry and geographical research and other due diligence as needed.
6. Maintain a solid understanding of Citibank products and services - within Small Businessmercial Banking and the broader organization.
7. Maintainpliance with Citibank credit policies/practices and regulatory policies, to ensure business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors.
8. Assists business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels. Work with management team on prioritization and implementation of approved actions.
9. Provide backup support to Credit Underwriting Group Manager, lead projects and initiatives and mentor lower level Credit Officers as needed.
10. Other duties as required to support business unit andpany goals.
11. Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by drivingpliance 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:
12. Previous credit authority experience. Prior experience working in a regulatory andpliance policy environment
13. Proven analytical skills including the ability to read and assess individual andpany financial statements, cash flow, industrypetitive analysis and projections; includingplicated business structures with foreign subsidiaries and/or parent organizations.
14. Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
15. Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability toplete assignments within required deadlines in a fast-paced environment
16. Effective inter-personal and written/verbalmunication skills
17. Thorough problem recognition and resolution skills
18. Pro-active disposition with ability to work autonomously and within a team Proficient in various spreadsheet and word processing applications (Excel and Word), including the use of graphs and charts and financial analysis software
19. Typically deals withplex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting needs.
20. Requires good analytical skills in order to filter, prioritize and validate potentiallyplex material from multiple sources.
21. Exercises wide degree of latitude and discretion.
22. Significant impact on the area throughplex deliverables.
23. Provides advice and counsel related to the technology or operations of the business.
24. Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.
Education:
25. Bachelor's/University degree, Master's degree preferred
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
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Job Family Group:
Risk Management ------------------------------------------------------
Job Family:
Credit Decisions ------------------------------------------------------
Time Type:
Full time ------------------------------------------------------
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.------------------------------------------------------
Other Relevant Skills
Forplementary skills, please see above and/or contact the recruiter.------------------------------------------------------
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Job ID 25875897