Citi

Intermediate Credit Analyst – Team Lead

Citi

full-time

Posted on:

Location Type: Hybrid

Location: Jacksonville • Florida • Montana • United States

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Salary

💰 $69,050 - $96,350 per year

Job Level

Senior

About the role

  • Uses commercial credit underwriting skills to analyze and assess requests primarily for larger exposure commercial customers
  • Manually analyzes and decisions unsecured commercial credit underwriting requests from new and existing customers and make recommendations for requests within a limited period of time in accordance with credit department policies
  • Employs decisioning to meet bank, partner and customer credit requirements
  • Takes ownership to resolve issues/ inquiries with warm caring and individualized attention using a variety of resources and systems
  • Performs financial analysis and makes recommendations on new and existing credits and exposures
  • Assists applicants requesting large lines of credit by analyzing the customer, interpreting the request, identifying the risk factors, performing a risk assessment, and providing a summary and recommendation in the processing system
  • Ensures adherence to company and credit policies, auditing procedures and department goals and standards
  • Identifies and escalates credit policy opportunities through system/strategy testing and procedural reviews
  • Performs efficiently while maintaining quality
  • Demonstrates an understanding of customer issues and offers appropriate options to bring issues to resolution
  • Expected to perform efficiently while maintaining a high quality and exceptional customer service
  • Credit Underwriter should be emphatic, utilize a respectful tone
  • The Credit Underwriter will ensure the customer has a clear understanding of resolutions discussed and will share job knowledge concerning underwriting
  • Meets all contractual and regulatory turn-around times
  • Fosters and promotes teamwork and good morale
  • Performs special projects as delegated by the needs of the Credit manager, other management, customer, or partner
  • Provides on-going, reliable input to management relevant to operational problems, issues, risks, and other matters

Requirements

  • 2-5 years related experience
  • Ability to understand and interpret Commercial Credit bureau, to analyze trade experience, and utilize external financial resources to underwrite credit requests
  • Demonstrated Consumer or Commercial Underwriting skills
  • Bachelor’s/University degree or equivalent experience
Benefits
  • medical, dental & vision coverage
  • 401(k)
  • life, accident, and disability insurance
  • wellness programs
  • paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
commercial credit underwritingfinancial analysisrisk assessmentcredit policy adherencedecisioningtrade experience analysisconsumer underwritingcommercial underwriting
Soft Skills
ownershipcustomer serviceempathycommunicationteamworkproblem-solvingattention to detailtime management