**Responsibilities**:- Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards.
- Prepare a detailed written credit summary of commercial applicants requesting credit by analyzing the business, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision.
- Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information.
- Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers in order to assess repayment capacity based on cash flow statements, tax returns, and statements.
- Perform industry and geographical research and other due diligence as needed.
- Maintain a solid understanding of Citibank products and services - within Small Business/Commercial Banking and the broader organization.
- Maintain compliance with Citibank credit policies/practices and regulatory policies, to ensure business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors.
- Assists 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 support to Credit Underwriting Group Manager, lead projects and initiatives and mentor lower level Credit Officers as needed.




- Other duties as required to support business unit and company goals.Qualifications:- 6-10 years previous credit authority experience.Prior experience working in a regulatory and compliance policy environment- Proven analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry/competitive analysis and projections; including complicated business structures with foreign subsidiaries and/or parent organizations.
- Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment- Effective inter-personal and written/verbal communication skills- Thorough problem recognition and resolution skills- Typically deals with complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting needs.
- Requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources.
- Exercises wide degree of latitude and discretion.
- Significant impact on the area through complex deliverables.
- Provides advice and counsel related to the technology or operations of the business.
- Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.
**Education**:- Bachelor's/University degree, Master's degree preferredThis job description provides a high-level review of the types of work performed.Other job-related duties may be assigned as required.
**Requirements**:- Experience in credit analysis within the banking sector (corporate or investment banking)- Communication skills.
- Advanced English mandatory.Job Family Group:Risk Management- **Job Family**:Credit Decisions- Time Type:Full time- Most Relevant SkillsAnalytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
- Other Relevant SkillsFor complementary skills, please see above and/or contact the recruiter.View Citi's EEO Policy Statement and the Know Your Rights poster.

📌 Citi- Underwriter/ Credit AnalystCiudad De Mexico (Xico)
🏢 Citigroup
📍 Xico