Talent.com
Citi Commercial Bank - Commercial Lending Management - Credit Analyst, Digital Tech & Comms

Citi Commercial Bank - Commercial Lending Management - Credit Analyst, Digital Tech & Comms

CitigroupSan Francisco, CA, US
22 days ago
Job type
  • Full-time
Job description

Commercial Lending Management - Credit Analyst, Digital Tech & Comms

Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you'll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

Citi's Commercial Bank (CCB) for the North American (NAM) region is a rapidly growing business, targeting emerging, mid- and larger-sized companies based in the United States or Canada, with annual revenue generally from $20 million to $1 billion plus. To facilitate the CCB's wholesale lending activities, Commercial Lending Management (CLM) serves as an in-business credit function organized around our strategic industries and global target market approach. CLM plays a critical role of the client delivery model for the CCB, translating thought-leadership, industry and product expertise, and an end-to-end ownership of the credit relationship into best-in-class lending solutions. We are seeking a dynamic and motivated credit professional to join the NAM CLM Digital Tech & Comms team.

The CLM Analyst facilitates the end-to-end lending process for a covered industry vertical directly supporting the responsible Credit Officer. CLM is essential for the delivery of a wide range of financial solutions to Citi CCB clients, working in direct partnership with Relationship Managers and Independent Risk, to execute on the firm's and client's business objectives. This can include working capital solutions, term loans and M&A financing, treasury and liquidity management services, foreign exchange, trade finance and interest rate derivatives. The primary responsibilities of CLM include credit underwriting, due diligence, structuring and documentation, and portfolio monitoring. As part of the business and in direct partnership with relationship coverage bankers, CLM teams provide thorough, objective analysis of the financial condition and credit worthiness of borrowers, including prevailing covered industry sector and product / market conditions, as well as the appropriate credit structure based on various risk considerations.

The CLM Analyst is responsible for supporting the underwriting and monitoring of a material amount of credit risk associated with capital deployed across a variety of lending products appropriate for commercial banking relationships. The CLM Analyst provides critical support with driving internal analytical work product that serves to underpin credit approval decisions and maintains ongoing credit oversight of the lending portfolio relationships through quarterly and / or annual reviews along with covenant and other reporting monitoring, as applicable. The assigned industry / specialty vertical requires developing knowledge of the unique sector / product drivers and key performance indicators to make well-informed credit underwriting decisions and proactively manage the portfolio based on a dynamic environment. The CLM Analyst assists with the production of sector and sub-segment insights for key internal and external stakeholders and develops the credit-specific risk assessments on new originations and portfolio requests.

The CLM Analyst role also requires the individual to develop an understanding of various Citi and CCB-specific credit policies, processes, and procedures, and how to apply these concepts consistently in practice, including ensuring the portfolio is appropriately risk-rated and classified, properly secured (if applicable) and that early warning signs are established and proactively addressed. CLM represents a critical "first line of defense" control function for the bank, ensuring the CCB's credit process is conducted in accordance with all internal and regulatory frameworks, and is responsive to relevant inquiries.

The CLM Analyst plays an important role in meeting a high standard for owning the work product of their respective portfolio and represent their covered accounts in numerous highly visible forums. An Analyst in CLM can contribute to strategic projects for NAM or Global CLM initiatives and provide critical inputs that direct the future of credit formation within the CCB. Additionally, the CLM Analyst is expected to rapidly develop the necessary technical skills through training from various teams and forums across CCB to promote the development and application of credit skills.

Key Responsibilities

  • Facilitate the end-to-end lending process within the NAM CCB for the assigned relationships and portfolio
  • Rapidly develop knowledge of assigned portfolio and industry, and create well-supported analysis that effectively balances risk and business objectives
  • Ensure appropriate regulatory classification and minimizing net credit losses for covered portfolio, as well as identify emerging areas of concerns that should be escalated
  • Produce the underlying analysis and workflow supporting underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, including the related diligence
  • Timely analysis and preparation of monthly and / or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio
  • Facilitate the loan documentation process for both new transactions and amendments or modifications; including coordination with internal partners and / or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents
  • Attend periodic meetings regarding covered portfolio clients and select new to bank opportunities in partnership with CLM Credit Officer and the Relationship Management team
  • Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients
  • Mentor and develop more junior staff and other support to become effective resources and future contributors
  • Recommend and champion changes to improve existing processes to achieve greater efficiency and controls
  • Work proactively, and in a constructive and diplomatic manner, with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls

Qualifications

  • 1-3 years of banking, finance or related experience in credit underwriting, portfolio and / or risk management with a multinational financial services organization
  • Knowledge of basic accounting and financial concepts and their practical application in the credit underwriting process
  • Excellent communication (written, verbal, presentation and listening) and organizational skills; ability to complete multiple priorities in a timely manner
  • Demonstrates learning agility : seeks out resources and experience to continually build knowledge / skills; quickly and successfully applies learning to new situations
  • Proficient in spreadsheet, word processing and presentation applications, including strong data visualization skills
  • Bachelor's degree; advanced degree(s) and other certifications considered but not required
  • Create a job alert for this search

    Commercial Lending • San Francisco, CA, US

    Related jobs
    • Promoted
    Director, Credit Strategy & Pricing, Purchase Finance

    Director, Credit Strategy & Pricing, Purchase Finance

    LendingClubSan Francisco, CA, United States
    Full-time
    Director, Credit Strategy & Pricing, Purchase Finance page is loaded## Director, Credit Strategy & Pricing, Purchase Financelocations : San Francisco, CAtime type : Full timeposted on : Posted T...Show moreLast updated: 1 day ago
    • Promoted
    Digital Assurance & Transparency - Digital Assets Manager

    Digital Assurance & Transparency - Digital Assets Manager

    PwCSan Jose, CA, United States
    Full-time
    At PwC, our people in audit and assurance focus on providing independent and objective assessments of financial statements, internal controls, and other assurable information enhancing the credibil...Show moreLast updated: 3 days ago
    Senior Credit Risk Analyst

    Senior Credit Risk Analyst

    QcellsSan Francisco, CA, US
    Full-time
    EnFin, a subsidiary of Qcells, the leading manufacturer of residential solar panels in the USA, is a financial services company dedicated to making solar energy accessible through innovative financ...Show moreLast updated: 4 days ago
    Investment Banking Analyst 2 / 3 Tech M&A (Middle-Market)

    Investment Banking Analyst 2 / 3 Tech M&A (Middle-Market)

    Prospect Rock PartnersSan Francisco, California, United States
    Full-time
    Quick Apply
    Our client, a prestigious middle-market investment bank, is seeking an experienced Analyst 2 / 3 to join their Technology M&A team in San Francisco. This is an exceptional opportunity to work on h...Show moreLast updated: 2 days ago
    Investment Banking Analyst 2 / 3 Technology M&A

    Investment Banking Analyst 2 / 3 Technology M&A

    Prospect Rock PartnersSan Francisco, California, United States
    Full-time
    Quick Apply
    Our client, a well-respected middle market investment bank, is actively seeking an Analyst 2 / 3 for their Technology M&A team in San Francisco. This brand name investment bank offers a key role w...Show moreLast updated: 19 days ago
    • Promoted
    Credit Analyst

    Credit Analyst

    TradeJobsWorkForce94177 San Francisco, CA, US
    Full-time
    Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence Provide recommendations tied to a...Show moreLast updated: 30+ days ago
    Senior Treasury & Lending Operations Analyst

    Senior Treasury & Lending Operations Analyst

    QcellsSan Francisco, CA, US
    Full-time
    POSITION DESCRIPTION : .QCELLS seeks an energetic team member for the Senior Treasury & Lending Operations Analyst that will manage the day-to-day financial operations related to...Show moreLast updated: 30+ days ago
    Capital Markets & Project Finance Analyst

    Capital Markets & Project Finance Analyst

    QcellsSan Francisco, CA, US
    Full-time
    EnFin is a financial services company that provides financing for residential solar PV and energy efficiency upgrades, backed by the PV panel manufacturer, Qcells. Through its extensive dealer netwo...Show moreLast updated: 30+ days ago
    • Promoted
    Field Sales Representative

    Field Sales Representative

    AT&TNicasio, CA, US
    Full-time
    Job Description : Join an elite group of sales professionals bringing customized, white glove experiences directly in the customer’s home. Field Sales Representatives at AT&T are driven to connect – ...Show moreLast updated: 1 day ago
    • Promoted
    Citi Private Bank - Private Banker - San Francisco, CA

    Citi Private Bank - Private Banker - San Francisco, CA

    Citigroup Inc.San Francisco, CA, United States
    Full-time
    The Banker SAFE Act is a strategic professional who closely follows latest trends in own field and adapts them for application within own job and the business. Recognized subject matter expert withi...Show moreLast updated: 26 days ago
    • Promoted
    Business Banking Relationship Manager

    Business Banking Relationship Manager

    Bank of AmericaUnion City, CA, United States
    Full-time
    Business Banking Relationship Manager.Dublin, California;Union City, California; Concord, California; Walnut Creek, California. To proceed with your application, you must be at least 18 years of age...Show moreLast updated: 3 days ago
    • Promoted
    Senior Credit Analyst

    Senior Credit Analyst

    FlexportSan Francisco, CA, United States
    Full-time
    At Flexport, we believe global trade can move the human race forward.That’s why it’s our mission to make global commerce so easy there will be more of it. We’re shaping the future of a $10T industry...Show moreLast updated: 15 days ago
    • Promoted
    Business Banking Relationship Manager 3

    Business Banking Relationship Manager 3

    U.S. BankFremont, CA, United States
    Full-time
    Bank, we're on a journey to do our best.Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.We b...Show moreLast updated: 3 days ago
    • Promoted
    Director, Credit Risk & Analytics, BNPL

    Director, Credit Risk & Analytics, BNPL

    Upgrade, Inc.San Francisco, CA, United States
    Full-time
    Director, Credit Risk & Analytics – Upgrade.We are seeking a Director, Credit Risk & Analytics to join our innovative & fast-growing FlexPay (BNPL) team at Upgrade, a leading fintech company specia...Show moreLast updated: 20 days ago
    Finance Analyst Consumer Goods

    Finance Analyst Consumer Goods

    Beautylish Inc.Walnut Creek, CA, US
    Full-time
    Quick Apply
    Finance Analyst to provide analytical and budgeting support for the Sales, Marketing and G&A departments.The ideal candidate will have experience in data analytics, EPM, and BI software to driv...Show moreLast updated: 30+ days ago
    • Promoted
    Chief Credit Officer

    Chief Credit Officer

    Mission National BankSan Francisco, CA, United States
    Full-time
    Mission National Bank (MNB) is seeking an Executive Vice President, Chief Credit Officer to join our team in San Francisco. To learn more about MNB, please click on the link : .This position is primar...Show moreLast updated: 4 days ago
    • Promoted
    Sr Consumer Credit Director

    Sr Consumer Credit Director

    LendingClubSan Francisco, CA, United States
    Full-time
    Sr Consumer Credit Director page is loaded.Apply locations San Francisco, CA time type Full time posted on Posted 5 Days Ago job requisition id R0007090. Current Employees of LendingClub : Please app...Show moreLast updated: 30+ days ago
    • Promoted
    Sales Director – Commercial Lending

    Sales Director – Commercial Lending

    JBA InternationalSan Francisco, CA, United States
    Full-time
    We are looking for a strategic, high-performing.You will be responsible for driving sales, building strong client relationships, and establishing JazzX AI as a trusted AI solutions provider to bank...Show moreLast updated: 30+ days ago
    Senior Credit & Collections Analyst / Team Lead

    Senior Credit & Collections Analyst / Team Lead

    CENTRIC SOFTWARE INCCampbell, CA, US
    Full-time
    Quick Apply
    Senior Credit & Collections Analyst / Team Lead Location : Hybrid - Campbell, CA Compensation : $100,000 USD - $120,000 USD About Centric Software : Centric Software stands at the fore...Show moreLast updated: 30+ days ago
    • Promoted
    Credit Analyst

    Credit Analyst

    Allspring Global InvestmentsWalnut Creek, CA, United States
    Full-time
    Work where your ideas have impact.Allspring Global Investments is a leading independent asset management firm that offers a broad range of investment products and solutions designed to help meet cl...Show moreLast updated: 3 days ago