Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism.

The Credit Officer 2 is a seasoned professional role. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and work-flow for the area or function. Integrates subject matter and industry expertise within a defined area. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Strong communication and diplomacy skills are required. Regularly assumes informal/formal leadership role within teams. Involved in coaching and training of new recruits Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Work and performance of all teams in the area are directly affected by the performance of the individual.

In this role, you’re expected to:

• 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.
• Postgraduate qualification such as MBA (Finance), CA, or CFA preferred.

As a successful candidate, you’d ideally have the following skills and exposure:

• 6-10 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
• 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.

Education:

• Bachelor’s/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Job Family Group:

Risk Management

Job Family:

Credit Risk

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

For complementary skills, please see above and/or contact the recruiter.
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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