Business Credit Strategist
2 days ago
We are seeking a highly skilled Business Credit Strategist to join our team at Citi. In this role, you will be responsible for developing and implementing credit strategies that drive business growth and profitability.
About the RoleThe successful candidate will have 8-10 years of experience in credit authority and a proven track record of delivering complex credit decisions. You will work closely with our management team to identify opportunities for process improvements and efficiencies that reduce costs and improve customer service levels.
Main Responsibilities:- Interface with bankers to support commercial credit extensions and ensure sound credit decisions
- Prepare detailed written credit summaries of commercial applicants, analyzing their financials and identifying strengths and risks
- Perform financial analysis on companies, including trend and ratio analysis, to assess repayment capacity
- Assess personal financial statements, guarantors, and co-borrowers to evaluate repayment risk
- Maintain industry and geographical research to inform credit decisions
- Bachelor's/University degree, Master's preferred
- 8-10 years of experience in credit authority
- Proven analytical skills, including reading and assessing financial statements, cash flow, and industry/competitive analysis
- Demonstrated knowledge of intermediate accounting theory and its application in credit underwriting
- Excellent organizational skills, prioritization, attention to detail, and ability to meet deadlines
- Effective communication and problem-solving skills
This estimate is based on national averages and may vary depending on location and other factors. We offer a competitive salary and benefits package to attract and retain top talent.
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