Credit Analyst – Commercial Banking (Consumer & Retail Products)

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

Skills

• 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

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

Company Overview

Company H1B Sponsorship