Discover your future at Citi Working at Citi is far more than just a job A career with us means joining a team of more than 230 000 dedicated people from around the globe At Citi you ll have the chance to grow your career give back to your community and make a real impact Job Overview 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 Risk Analyst II is a developing professional role Applies specialty area knowledge in monitoring assessing analyzing and or evaluating processes and data Identifies policy gaps and formulates policies Interprets data and makes recommendations Researches and interprets factual information Identifies inconsistencies in data or results defines business issues and formulates recommendations on policies procedures or practices Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices Good understanding of how the team interacts with others in accomplishing the objectives of the area Develops working knowledge of industry practices and standards Limited but direct impact on the business through the quality of the tasks services provided Impact of the job holder is restricted to own team In this role you re expected to Conduct risk assessments and client credit analyses review financial results and peer analyses and prepare financial projections Prepare green-light and transaction approval memos conduct due diligence build cash flow models and conduct sensitivity analyses Escalate credit concerns updates to senior risk and business managers and propose risk mitigation action to be taken by staying continuously informed of related developments news for the portfolio and industry covered and understanding the credit process policies and Citi s risk appetite Assist with portfolio review preparation and conducting stress tests Build working relationships with various teams across the bank including deal coverage and product teams 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 Qualifications 1-2 years of experience in credit risk analysis or corporate banking Experience in financial analysis accounting and valuation Knowledge of accounting and corporate finance financial modelling credit and banking products credit analytics risk assessment and transaction execution Consistently demonstrate clear and concise written and verbal communication Proven ability to work with little direction and in a team Demonstrated accountability self-motivation and business acumen 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 Decisions - 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 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