Intermediate Associate Credit Analyst
2 weeks ago
The Intermediate Associate Credit Analyst is an evolving professional position that combines specialized knowledge with a comprehensive understanding of industry norms and practices. This role requires a solid grasp of how the team and area collaborate with others to achieve the objectives of the job family. The analyst applies analytical reasoning and is proficient in data analysis tools and methodologies, breaking down information in a systematic and clear manner.
Key Responsibilities:
+ Utilize commercial credit underwriting expertise to evaluate and assess requests primarily for larger exposure commercial clients.
+ Conduct manual analysis and decision-making for unsecured commercial credit underwriting requests from both new and existing clients, providing recommendations within a specified timeframe in line with credit department policies.
+ Engage in decision-making processes to satisfy bank, partner, and customer credit requirements, taking ownership of resolving inquiries with personalized attention using various resources and systems.
+ Perform financial evaluations and provide recommendations on new and existing credits and exposures.
+ Assist applicants seeking substantial lines of credit by analyzing customer profiles, interpreting requests, identifying risk factors, conducting risk assessments, and delivering summaries and recommendations in the processing system.
+ Ensure compliance with company and credit policies, auditing procedures, and departmental goals and standards.
+ Identify and escalate opportunities for credit policy enhancements through system testing and procedural reviews.
+ Maintain efficiency while ensuring quality in all tasks.
+ Demonstrate an understanding of customer concerns and offer suitable options to resolve issues.
+ Expected to deliver high-quality service while maintaining exceptional customer support.
+ The Credit Underwriter should be empathetic and utilize a respectful tone in all communications.
+ Ensure that customers have a clear understanding of the resolutions discussed and share knowledge regarding underwriting processes.
+ Adhere to all contractual and regulatory turnaround times.
+ Promote teamwork and foster a positive work environment.
+ Undertake special projects as assigned by the Credit Manager or other management personnel.
+ Provide ongoing, reliable feedback to management concerning operational challenges, issues, risks, and other relevant matters.
+ Perform additional duties and responsibilities as assigned.
+ Appropriately assess risk in business decisions, demonstrating careful consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets by ensuring compliance with applicable laws, rules, and regulations, adhering to policy, and applying sound ethical judgment in personal conduct and business practices.
Qualifications:
+ 2-5 years of relevant experience.
+ Proficient in reading and interpreting Commercial Credit reports, analyzing trade experiences, and utilizing external financial resources for credit underwriting; demonstrated skills in Consumer or Commercial Underwriting.
Education:
+ Bachelor’s degree or equivalent experience.
This job description offers a high-level overview of the types of tasks performed. Other job-related duties may be assigned as necessary.
Job Family Group: Risk Management
Job Family: Credit Decisions
Time Type: Full time
Primary Location: Wilmington, Delaware, United States
Primary Location Full Time Salary Range: $76,000 - $106,370.00
In addition to salary, Citigroup's offerings may also include discretionary and formulaic incentive and retention awards. Citigroup provides competitive employee benefits, including medical, dental, and vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citigroup also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For more information regarding Citigroup employee benefits, please visit the official website.
Citigroup is an equal opportunity and affirmative action employer. Qualified applicants will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Citigroup Inc. and its subsidiaries invite all qualified interested applicants to apply for career opportunities. 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, please review the accessibility options available.
Citigroup is committed to equal opportunity and affirmative action. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity are encouraged to apply.
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