The Credit Analyst is a developing professional role who supports the growth of the Bank by analyzing transactions to ensure they meet the risk and return goals of the business. The candidate is expected to deal with most problems independently and has some latitude to solve complex problems. The role integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices with analytical thinking and knowledge of data analysis tools and methodologies.

Candidates will be offered the support they need for their growth via several trainings and guidance by talented credit officers which will enable them initially to participate and then lead credit due diligence with clients.

Responsibilities:

• Work alongside credit underwriters and bankers in structuring and analyzing credit requests for new and existing clients.

• Spread financial statements in accordance with bank guidelines whenever required to prepare credit ratings on existing and prospective borrowers.

• Produce credit summaries analyzing the business, performing financial analysis, identifying strengths, and prevailing risk factors for the business to make appropriate risk and return decisions.

• Prepare company financial projections to assess the repayment capacity of clients.

• Provide preliminary analysis of simple to medium complexity credits, and coordinate with the Credit underwriters, risk partners and Relationship Managers. Present credit analysis to senior stakeholders and effectively answer questions when challenged.

• Ongoing early warning monitoring and the preparation of annual credit reviews for a portfolio of clients.

• Stay abreast of developments within the global economy and designated industries to support early warning monitoring.  

• Work with colleagues globally to offer credit solutions to international subsidiaries understanding local market requirements.

• Maintain compliance with Citibank credit policies / practices and regulatory policies, to ensure the business unit is in adherence and receives satisfactory ratings from internal and external auditors.

• Provide leadership, training, and coaching to junior Credit Analysts in team and May act as a junior underwriter supporting the senior credit officers for simple credit reviews.

• 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.

• Other duties as required to assist business unit and company goals, including but not limited to monthly workflow planning, housekeeping tasks related to financial monitoring & updates, follow up & monitoring of periodic reporting/ deliverables.

Competencies & Experience:

• 2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.

• The ideal candidate must have extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, financial regulations, financial products, and credit analysis

• Good verbal and written communication skills in English, German language would be an advantage.

• Knowledge of accounting theory and ability to read and assess company financial statements.

• Excellent organizational skills, attention to detail, and the ability to complete assignments in a timely manner.

• Effective written and verbal communication skills.

• Ability to work independently and within a team.

• Proficient in various spreadsheet and word processing applications (Excel and Word are preferred), including the use of graphs, models and charts.

• Related banking experience preferred.

Education:

• Educated to degree level or equivalent.

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.

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