Credit Analyst – Commercial Banking (Consumer &… at Citi · Chicago…

Summary: Citi is a global financial institution and is seeking a motivated Credit Analyst to join their North America CLM Consumer & Retail Products team in Chicago. The role supports the end-to-end lending lifecycle for an assigned portfolio, involving underwriting support, financial analysis, documentation, and ongoing portfolio monitoring across a range of commercial lending products. Responsibilities: - Support underwriting for new and existing commercial clients, including initial deal screening, financial analysis, and due diligence - Prepare clear, well-supported credit analysis to help inform approval decisions - Assist with amendments, renewals, annual reviews, and other credit-related requests - Support ongoing monitoring of the portfolio through quarterly and annual reviews - Track covenant compliance, financial performance, and early risk indicators - Escalate potential issues and support timely risk mitigation actions - Assist with the loan documentation process for new transactions and modifications - Coordinate with internal partners and external counsel to ensure approved terms are accurately reflected in final documents - Participate in client and internal meetings alongside Credit Officers and Relationship Managers - Build working relationships with product partners, risk colleagues, and coverage teams - Develop a strong understanding of commercial credit products and industry drivers within the Consumer & Retail sector - Contribute to process improvements that enhance efficiency, controls, and execution quality - Support and mentor more junior resources as appropriate Required 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 Required Skills: Credit underwriting, Portfolio monitoring, Risk management, Financial analysis, Accounting knowledge, Data visualization, Spreadsheet software, Word processing software, Presentation software, Learning agility Benefits: Medical, dental & vision coverage, 401(k), Life, accident, and disability insurance, Wellness programs, Paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays