Credit Analyst 2 - Financial Institutions

As a Credit Analyst, Financial Institutions, you will evaluate the financial strength of banks, broker-dealers, insurers and fintech companies across ANZ, ASEAN and Korea, directly shaping the credit decisions behind Citi's lending relationships. You will own end-to-end credit analysis, from financial spreading and market research to underwriting and credit memo writing, helping protect Citi's portfolio while supporting client growth across a diverse regional footprint. This role offers broad exposure to international markets and a clear path to build specialized credit and risk expertise.

Responsibilities

- Analyze financial trends, performance indicators and client data for banks, broker-dealers, insurers and fintech companies across ANZ, ASEAN and Korea, and present findings to the underwriting team for credit decisioning.
- Perform financial statement spreading using the Credit Platform to build accurate borrower profiles.
- Identify early warning signals of client risk through ongoing portfolio monitoring.
- Review client financial statements periodically to track evolving credit risk.
- Monitor compliance with financial covenants and borrowing base credit facility requirements.
- Conduct end-to-end credit underwriting, including market and industry analysis, and write credit memos that support lending decisions.
- Join underwriting managers on client site visits to strengthen understanding of borrower operations.
- Maintain compliance with Citi policies and escalate control issues with transparency to protect Citi's assets and reputation.

Required Qualifications & Skills

- 2-5 years of experience in credit analysis within a financial institution.
- Hands-on proficiency with financial spreading software.
- Experience across underwriting, financial spreading, market analysis and industry analysis.
- Proven ability to write credit memos that support lending decisions.
- Skilled at analyzing data to compare program results against expectations.
- Ability to develop credit strategies and criteria based on data insights.
- Bachelor's degree or equivalent professional experience.

What We Offer

Joining Citi's Financial Institutions credit team gives you exposure to a diverse portfolio of banking, insurance and fintech clients across multiple markets, backed by the scale and resources of a global bank.

- Work in a hybrid model with 3 days in the office and 2 days working remotely each week.
- Build credit analysis expertise across diverse markets including ANZ, ASEAN and Korea.
- Access structured learning and development programs to grow your credit and risk expertise.
- Collaborate with underwriting managers and cross-border teams on a global platform.
- Access wellbeing resources and programs that support work-life balance.
- Benefit from financial wellbeing resources and family support programs.

Apply now to build your credit analysis career across some of the world's most dynamic financial institution markets.

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## Job Family Group:
Risk Management
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## Job Family:
Credit Risk
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## Time Type:
Full time
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## Most Relevant Skills
Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.
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## Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
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