*responsibilities*:- makes decisions in accordance with credit department policies.
- employs decisioning for multi-merchant locations to meet customer credit requirements.
- takes ownership to resolve issues/inquiries with rapport building, individualized attention using a variety of resources.
- performs financial analysis and makes recommendations on new and existing credits and exposures.
- assesses credit worthiness by analyzing various commercial credit vehicles including financial statements (balance sheet, income statement, and statement of cash flow), commercial credit bureau reports (dun and bradstreet, experian & equifax), sec filings, bond ratings, grants, tax returns, letters of credit, and budgetary information.
- prepares a credit analysis summary (cas) of commercial 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.
- mentor lower level analysts.qualifications:- 5-8 years relevant experience- previous credit analysis experience required.
- previous commercial credit authority preferred.
- good corporate and merchant credit and exposure analysis skills.
- excellent process and project management skills.
- ability to read and interpret commercial credit bureaus, analyze trade experience, and utilize external financial resources to underwrite credit requests.
- demonstrated commercial underwriting experience.
- proven analytical and communication skills; both written and verbal- proficient working knowledge of windows and excel.
*education*:- bachelor's/university degree or equivalent experiencethis job description provides a high-level review of the types of work performed.other job-related duties may be assigned as required.inglés- intermedio- avanzado (indispensable)experiência en análisis crediticio en el segmento empresarial y agrojob family group:risk management- *job family*:credit decisions- time type:full timeview citi's eeo policy statement and the know your rights poster.