We are seeking a highly skilled Junior Credit Analyst with strong expertise in accounting principles, IFRS and financial statement analysis. This role is critical in evaluating the financial health of companies, understanding industry dynamics, and providing high-quality credit assessments that support sound decision-making. The Junior Credit Analyst is a developing professional role. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the franchise. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams. **Responsibilities:** - Spread financial statements in accordance with bank guidelines. - Analyze audited financial statements, including income statements, balance sheets, cash flow statements, and notes to the financials. - Interpret financial trends and assess a company’s financial performance, liquidity, leverage, and overall creditworthiness. - Conduct in-depth industry analysis to identify key opportunities, challenges, and threats that may impact the companies under review. - Connect industry insights with company-specific risks and strengths to form a holistic credit perspective. - Identify information gaps or unclear items in financial statements and proactively prepare relevant questions for client discussions. - Engage with clients to clarify financial or business details not available in public sources or audited reports. - Thoroughly prepare credit applications; check their completeness; request clarifications if necessary; assess them in the context of the valid / relevant policies, procedures and guidelines.  - Follow and monitor the portfolio of assigned/covered clients through their lifetime and escalate proactively and timely all potential credit issues acting as First Line of Defense. - Effectively manage and closely monitor classified customers covered; propose feasible account strategies avoiding / minimizing potential losses. - Participate on CLM tasks/requirements such as greenlights, quarterly financial reviews, and ad-hoc reporting, portfolio stress testing, audit etc. - Communicate efficiently across the bank (Business, Risk, CRMS, Legal, Operations, and others). - Maintain strict confidentiality on all accounts, bank products and policies. **Qualifications:** - 2-3 years previous experience in a financial institution with a focus on financial spreading and credit analysis. - The ideal candidate must have extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, IFRS, financial regulations, financial products, and credit analysis. - Good verbal and written communication skills in English and German. French language is also desirable. - Ability and motivation to learn. - Self-organized person with ability to pay attention to details and work under pressure. **Education:** - Bachelor’s/University degree or equivalent experience **What we can offer you** By joining Citi Prague, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive base salary (which is annually reviewed) and enjoy a whole host of additional benefits that support you (and your family) to be well, live well and save well. Alongside these benefits Citi is committed to ensuring our workplace is where everyone feels comfortable coming to work as their whole self every day. We want the best talent around the world to be energized to join us, motivated to stay, and empowered to thrive. **Sounds like Citi has everything you need? Then apply to discover the true extent of your capabilities.** #LI-AZ1 ------------------------------------------------------ **Job Family Group: ** Risk Management------------------------------------------------------ **Job Family:** Credit Risk------------------------------------------------------ **Time Type:** Full time------------------------------------------------------ **Primary Location Full Time Salary Range:** 592 000,00 Kč - 888 000,00 Kč------------------------------------------------------ **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.------------------------------------------------------ **Automated Processing and AI** We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi. Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details. ------------------------------------------------------ *This job opening is for an existing job vacancy.* ------------------------------------------------------ *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.* * * *If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review **Accessibility at Citi.* *View Citi’s EEO Policy Statement and the Know Your Rights poster.*