About Company
Citigroup, a leading global financial services company, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. Our mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. We are committed to fostering an inclusive culture, providing opportunities for professional development, and supporting our employees in their career journeys. Join us and be part of a team that is driving innovation and making a significant impact on the financial world.
Job Description
Citigroup is seeking a highly motivated and detail-oriented Credit Analyst to join our dynamic team in Downtown, Thornton, with an immediate start. This is an exceptional opportunity for a talented individual to contribute to our robust credit risk management framework and gain valuable experience within a top-tier financial institution. As a Credit Analyst, you will play a crucial role in assessing the creditworthiness of corporate and institutional clients, analyzing financial statements, and preparing comprehensive credit reports that support lending decisions. The ideal candidate will possess a strong analytical mindset, excellent communication skills, and a foundational understanding of financial markets and credit principles. You will work closely with relationship managers, senior credit officers, and other stakeholders to ensure that credit decisions are made in a timely and informed manner, adhering to both internal policies and regulatory requirements. This position demands a proactive approach to identifying potential risks and opportunities, coupled with the ability to articulate complex financial information clearly and concisely. We are looking for someone who is eager to learn, takes initiative, and thrives in a fast-paced, challenging environment where their contributions are recognized and valued. If you are ready to jumpstart your career in finance with a global leader and make an immediate impact, we encourage you to apply.
Key Responsibilities
- Conduct thorough financial analysis of corporate and institutional clients, including reviewing financial statements, projections, and industry trends.
- Prepare comprehensive credit memoranda and reports, summarizing findings, identifying key risks, and recommending appropriate credit structures and limits.
- Perform ongoing monitoring of existing credit portfolios, including tracking covenant compliance and assessing changes in borrower risk profiles.
- Collaborate with Relationship Managers and Senior Credit Officers to facilitate new credit approvals, renewals, and modifications.
- Stay abreast of economic developments, regulatory changes, and industry-specific trends that may impact credit risk.
- Participate in client meetings and due diligence calls as needed.
- Ensure compliance with internal credit policies, procedures, and regulatory requirements.
- Assist in the development and implementation of credit risk mitigation strategies.
Required Skills
- Bachelor's degree in Finance, Economics, Accounting, or a related field
- 2+ years of experience in credit analysis, financial analysis, or risk management within a financial institution
- Strong understanding of financial statements, accounting principles, and financial modeling
- Proficiency in Microsoft Excel for data analysis and financial modeling
- Excellent written and verbal communication skills
- Strong analytical and problem-solving abilities
- Ability to work effectively under pressure and manage multiple priorities
Preferred Qualifications
- Master's degree or CFA designation (or progress towards)
- Experience with credit risk software and financial databases (e.g., Bloomberg, Capital IQ)
- Familiarity with various credit products (e.g., corporate loans, trade finance, derivatives)
- Demonstrated ability to present complex financial information clearly and concisely
Perks & Benefits
- Competitive salary and performance-based bonuses
- Comprehensive health, dental, and vision insurance plans
- 401(k) retirement plan with company match
- Paid time off, including vacation, sick leave, and holidays
- Tuition reimbursement and professional development programs
- Employee assistance program
- On-site fitness centers or gym membership subsidies
- Commuter benefits
- Generous parental leave policy
How to Apply
Interested candidates are encouraged to click on the application link below to submit their resume and cover letter directly through the Citigroup careers portal. Please highlight your relevant experience and explain why you are an ideal fit for this immediate start Credit Analyst position.