The Underwriter Analyst is responsible for conducting credit reviews, approval, and credit monitoring. The overall objective of this role is to manage the exposure of Citi's portfolio to local clients.
**Responsibilities**:
- Conducts risk assessments and customer credit analyses, reviews financial results and peer reviews, and prepares financial projections;
- Prepares transaction approval and permit memos, conducts due diligence, creates cash flow models, and conducts sensitivity analyses;
- Escalates credit concerns/updates to risk and business managers and proposes risk mitigation measures, continuously staying informed of developments/news related to the portfolio and the covered sector and understanding Citi's credit process, policies and risk appetite;
- Assists in preparing portfolio review and conducting stress tests. Builds working relationships with multiple teams across the bank, including offerings, coverage, and product teams;
**Skills and Competencies**:
- Experience in financial analysis, accounting, and valuation;
- Knowledge of accounting and corporate finance, financial modeling, credit and banking products, credit analysis, risk assessment, and transaction execution;
- Consistently demonstrate clear and concise written and oral communication Proven ability to work with little guidance and in a team;
- Capacity to work under pressure and comply with tight deadlines;
- Manages time and priorities effectively;
- Knows when to escalate issues.
**Qualifications**:
- 0-2 years prior experience in a financial institution with a focus on credit analysis and spreading software;
- Extensive knowledge of GAAP accounting, financial regulations, financial products, and credit analysis;
- Ability to analyze business and personal financial statements with respect to GAAP and Citibank policies.
**Education**:
- Bachelor's degree/university degree or equivalent experience;
- Fluent in English. Spanish is a plus;
- Knowledge of MS Suite (Word, Excel, Powerpoint).**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.
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