The Intermediate Associate Credit Maintenance Analyst is an entry level position responsible for capturing and recording data related to credit exposure, obligors and facilities in relevant credit systems in coordination with the Operations - Services team. The overall objective of this role is to maintain data quality in credit systems, monitor credit exposure and adhere to overall credit policies.

Responsibilities:

Support business in new credit origination, pull due diligence reports as necessary, and build/maintain credit files or other documentation required by credit risk policyContact significant clients directly to obtain financial statements, tax returns, and accounts receivable aging, analyze high net worth clients and recommend credit worthiness based on due diligence findings as well as analyze risks associated with lendingPrioritize and process incoming credit requests and reviews for accuracy and completeness as well as interpret to convert to concise and accurate credit facilitiesMonitor and coordinate timely clearing of pre-closing requirements including conditions precedent, Basel collateral reporting requirements, and documentationFacilitate and execute proper set up of soft cell credit exposure including Automated Clearing House (ACH) and fed fund check clearing as well as perform data integrity reviewsCoordinate with Risk Management, Finance, and Operations to ensure reporting requirements are met and loan maintenance requests are completed accuratelyAnalyze and review information obtained from Credit Approval Process and loan documentation for accuracy, completeness, and quality as well as analyze final loan documentation to ensure consistency with credit approvals and conditions precedent have been satisfiedSecure collateral, monitor collateral adequacy, and notify Relationship Manager (RM) if escalation is warrantedMonitor credit availability, approve requests, and coordinate disbursements with Loan OperationsMonitor intra-day and end-of-day exposure against limits where relevant, prioritize exceptions detected, and escalate as neededReview credit worthiness for existing clients and credit facilities in a relationship with expertise in complex credits and significant relationshipsAnalyze/monitor covenants and reporting requirements such as accounts receivables aging, inventory reports, and tax returnsProvide senior subject matter expertise to Relationship Managers, Product Managers, and Portfolio ManagersAppropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications:

2-5 years of relevant experience in reviewing credit documentation, knowledge of policies, guidelines, and procedures surrounding extensions of credit.Knowledge of Institutional Lending and Credit products, experience in risk data management is a plus.Knowledge of Institutional Lending and Credit products, experience in risk data management ​Demonstrates general computer literacy. Experience in CitiRisk and/or Helios systemsConsistently demonstrates clear and concise written and verbal communicationStrong attention to detail. Demonstrates accuracy and thoroughness. Demonstrated analytical skills

Education:

Bachelor’s degree/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

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Job Family Group:

Operations - Services

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Job Family:

Credit Maintenance

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Time Type:

Full time

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Primary Location:

Getzville New York United States

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Primary Location Full Time Salary Range:

$55,440.00 - $77,360.00

In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

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Anticipated Posting Close Date:

Feb 12, 2025

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Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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