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 chance 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.
Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi’s institutional clients. Within ICM, the Credit Underwriting function (“ICM UW” or “UW”) provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews,



and any necessary subsequent credit monitoring across all institutional business including Corporate Banking and Commercial Banking relationships.
ICM Credit Analyst will assist in financial and credit analysis activities across the portfolio. This role has responsibility for the Non-Investment Grade portfolio, with a focus on Classified assets. The role focuses on developing strong analytical foundations, data handling capabilities, and understanding credit processes.
In this role, you’re expected to:
Support in preparing financial models and Company valuations using standard approaches (comparable company analysis, precedent transactions, etc.).
Assist in drafting credit notes, memos, and financial assessments under supervision.
Spread financial statements in accordance with bank guidelines including calculation of cash flow, debt service coverage, collateral coverage, and guarantor net worth.
Track operating and financial performance, prepare quarterly monitoring reports, and update key portfoli

📌 Credit Analysis (Mumbai)
🏢 Citi
📍 Mumbai