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For Companies At a Glance
- Tasks: Lead credit due diligence and manage the end-to-end credit process for clients.
- Company: Citi is a global bank committed to supporting UK Mid-Market businesses.
- Benefits: Enjoy a dynamic work environment with opportunities for growth and development.
- Why this job: Join a team that drives international growth and makes a real impact in the banking sector.
- Qualifications: Ideal candidates should have strong analytical skills and a passion for finance.
- Other info: This role offers mentorship opportunities and the chance to work on exciting projects.
The predicted salary is between 43200 - 72000 £ per year.
This new and exciting role is based in London (Canary Wharf) and has come about following Citi's commitment and investment to support the international growth plans of UK Mid-Market businesses. Citi Commercial Bank UK (CCB UK) was established in 2016 to support UK headquartered Mid-Market businesses with a turnover range of $50m to $2.5bn. The success of the CCB UK team has led to considerable client growth and the provision of banking & financing solutions to numerous commercial banking clients across industry sectors - Business Services, Healthcare, Consumer, Industrials, Fintech and Digital/TMT.
This is a strategic professional who supports the growth of the UK Commercial Bank by underwriting transactions that meet the risk and return goals of the business. The candidate will be expected to lead credit due diligence with clients and will be responsible for the end to end delivery of credit requests internally.
Responsibilities:- Work alongside bankers in underwriting requests for new and existing clients with ownership responsibility for the end to end credit process.
- Lead credit due diligence with clients and perform relevant industry and peer analysis.
- Prepare detailed written credit summaries by analyzing the business, performing detailed financial analysis, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision that meets the Business risk and return goals.
- Prepare credit ratings and financial projections in order to assess the repayment capacity of borrowers.
- Present credit analysis to approval committees and effectively answer questions when challenged.
- Manage, negotiate and execute facility documentation following credit approval.
- Stay abreast of developments within the global economy and designated industries in order to support problem recognition and the directional strategy of the business.
- Ongoing early warning monitoring and the preparation of annual credit reviews for a portfolio of clients.
- Maintain a solid understanding of Citi's products and services and the unique commercial bank proposition.
- Work with colleagues globally to offer credit solutions to international subsidiaries understanding local market requirements.
- Maintain compliance with Citibank credit policies / practices and regulatory policies, to ensure the business unit is in adherence and receives satisfactory ratings from internal and external auditors.
- Aid business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels. Work with management team on prioritization and implementation of approved actions.
- Provide backup to Credit Underwriting Group Manager, lead projects and initiatives and mentor lower level Credit Officers as needed.
- Other duties as required to assist business unit and company goals.
Contact Detail:
Citi Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Officer - Citi
✨Tip Number 1
Familiarise yourself with Citi's products and services, especially those related to commercial banking. Understanding their unique offerings will help you demonstrate your knowledge during interviews and show how you can contribute to their growth.
✨Tip Number 2
Stay updated on the latest trends in the UK Mid-Market sector and global economy. This knowledge will not only prepare you for discussions during the interview but also showcase your proactive approach to understanding the industry.
✨Tip Number 3
Practice presenting credit analysis and financial projections clearly and confidently. Since you'll need to present to approval committees, honing your presentation skills will be crucial in making a strong impression.
✨Tip Number 4
Network with professionals in the credit and risk management field. Engaging with others in the industry can provide valuable insights and potentially lead to referrals, increasing your chances of landing the job.
We think you need these skills to ace Credit Officer - Citi
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of a Credit Officer at Citi. Familiarise yourself with the key tasks such as underwriting requests, leading credit due diligence, and preparing detailed credit summaries.
Tailor Your CV: Customise your CV to highlight relevant experience in credit analysis, financial projections, and risk assessment. Use specific examples that demonstrate your ability to manage credit processes and work collaboratively with banking teams.
Craft a Strong Cover Letter: Write a compelling cover letter that outlines your motivation for applying to Citi and how your skills align with their needs. Mention your understanding of the UK Mid-Market sector and your commitment to supporting business growth.
Prepare for Interviews: If selected for an interview, prepare to discuss your previous experiences in credit management and your approach to problem-solving. Be ready to present your understanding of Citi's products and services, and how they relate to the role.
How to prepare for a job interview at Citi
✨Understand the Role
Make sure you have a solid grasp of what a Credit Officer does, especially in the context of Citi's Commercial Bank. Familiarise yourself with the responsibilities outlined in the job description, such as underwriting transactions and leading credit due diligence.
✨Prepare for Financial Analysis Questions
Since the role involves detailed financial analysis and credit decision-making, be ready to discuss your experience with financial modelling and credit assessments. Brush up on key financial metrics and how they relate to risk and return.
✨Showcase Your Industry Knowledge
Citi operates across various sectors, so demonstrate your understanding of the industries relevant to the role, such as Business Services, Healthcare, and Fintech. Being able to discuss current trends and challenges in these sectors will impress your interviewers.
✨Practice Your Presentation Skills
You'll need to present credit analyses to approval committees, so practice articulating your thoughts clearly and confidently. Prepare to answer challenging questions and defend your credit decisions during mock interviews.
