Credit Intermediate Analyst, Officer

Whether you're building on early career experience or taking your next step in financial services, this is your opportunity to grow with one of the world's most global banks. As a Credit Intermediate Analyst, Officer at Citi, you will support end-to-end credit underwriting and portfolio monitoring across commercial and institutional banking relationships — working alongside Credit Officers, Relationship Managers, and Risk partners to deliver high-quality credit analysis that directly shapes lending decisions across Corporate Banking, Services, and Markets. ## Responsibilities * Prepare credit analysis and underwriting materials for new and existing clients, contributing to first-line credit assessments across commercial and institutional portfolios. * Conduct financial statement and cash flow reviews to support underwriting recommendations and credit approval documentation. * Monitor assigned portfolio performance, including covenant tracking and periodic financial reviews, to identify and escalate emerging risk indicators. * Assist in preparing quarterly and annual credit reviews, ensuring accuracy and timeliness in all documentation and reporting. * Support the processing of credit renewals, amendments, and related transactions by coordinating documentation across internal teams. * Collaborate with global stakeholders across Credit, Banking, and Risk to support the execution of credit processes and cross-functional workflows. * Build knowledge of commercial banking products, credit structures, and industry dynamics through active participation in training and on-the-job development. ## Required Qualifications & Skills * 2-5 years of experience in banking, finance, accounting, or a related financial services field. * Bachelor's degree in Finance, Accounting, Economics, Business, or a closely related discipline. * Working knowledge of financial statements and core accounting concepts, with the ability to apply this to credit analysis tasks. * Clear and professional written and verbal communication skills in English, including the ability to convey complex or sensitive information across global teams. * Demonstrated ability to manage multiple tasks independently, apply sound judgment, and maintain strong attention to detail in analysis and reporting. ## Beneficial Skills & Qualifications * Prior internship or work experience in credit analysis, commercial banking, or a related lending environment. * Exposure to international banking, shared service centres, or cross-border financial services environments. * Familiarity with credit monitoring processes, covenant tracking, or portfolio review cycles. ## What We Offer At Citi, we invest in our people from day one. Joining this team means gaining access to meaningful development opportunities, global collaboration, and a supportive environment designed to help you grow — professionally and personally. * Hybrid working model — 3 days in the office and 2 days working remotely, giving you flexibility and balance. * Extensive on-the-job training, exposure to senior leaders, and structured learning programs to accelerate your development in credit and commercial banking. * Access to a broad range of learning and development resources to help you deepen your skills as your career progresses. * Wellbeing support including telehealth options, health advocates, and confidential counselling services. * Expanded Paid Parental Leave Policy, supporting all parents with time to adjust to parenthood and bond with their families. * Tools and resources to manage your financial wellbeing and plan confidently for the future. * Generous paid time off and programmes that support a healthy balance between work and life. * Volunteering opportunities and resources to make a positive impact in your local community — Citi employee volunteers contributed more than 1 million hours globally in 2019. Apply today and take the next step in your credit career with a global team that's invested in your growth, your impact, and your future at Citi. \------------------------------------------------------ ## Job Family Group: Risk Management \------------------------------------------------------ ## Job Family: Credit Risk \------------------------------------------------------ ## 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. 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