Commercial Lending Management Analyst

Title: Commercial Lending Management Analyst - Western Europe Digital - Spain Business: Commercial Bank Division: Western Europe Digital Hub Officer Title: Credit Officer 2-MME C-Grade: C12 Location: Madrid **Equal Opportunity** We recognize talent comes from a wealth of experience and ideas beyond just the technical specifications of a role. If you feel like you can make a meaningful impact even if you don’t necessarily check all the listed requirements, **_please still consider applying_**. Diversity of experience and skills supplemented with drive are cornerstones to innovation and excellence and we **_encourage people from all backgrounds to apply_** to our positions. **Description**: This position sits within the CCB’s growing Western Europe Digital team with responsibility for credit analysis for customers primarily in Spain and Portugal but could potentially extend to clients in Western Europe and Israel. The primary responsibilities will be to adequately assess credit risk of clients, approve individual credit requests within authorization limit and make recommendations for higher approvals. Responsibilities will also include active engagement in setting up adequate credit programs and performing periodical reviews of client portfolio. Citi Commercial Bank is a coverage organization that works with emerging and middle market clients with aspirations to become global players. **Job Purpose**: - Perform credit analysis for existing and prospect clients and issue adequate approval recommendations - Take part in the set up and update of relevant Credit Programs - Periodical monitoring of existing client portfolio - Performing credit calls with clients - Assist the bankers in structuring transactions that meet client's expectations and Citi's risk appetite - Conducting due diligence on the client's business, understanding business model to form a view on the credit. **Key Responsibilities**: - Execution of the Credit Program and CCB Risk General Procedures Manual including: - Grading of individual prospect clients or group of companies - including all necessary checking - Identification of any risk issues that are not addressed in the standard approval criteria but negatively influence the final grading on a case by case basis - Execute customer field visits to ensure the business of the company and purpose of our loan where appropriate - Consultation with Early warning, Risk Management - Setting up proposal for final grading, up or down grading, available credit lines, collaterals and any special term and conditions on Credit Application - Review of the customer performance, annual review of existing customers - Proposal for classification or Early Warning monitoring - Perform second approval/sign-off of Credit Application according to approval limit - Evaluate collateral value of offered receivables and pledge on company’s assets - Maintain data consistency by daily usage of available software platforms - Follow the market practice, initiate necessary changes in risk process, Credit Program, additional input for product development - Responsible for timely annual review of existing customers (revision date update, maturing credit lines) - Responsible for process and procedure updates - Preparing ad-hoc analytical tasks (i.e. portfolio review purposes, stress tests) - Responsible for cost of credit - Maintain control on efficiency of Approval Unit - Responsible for approval cycle time - setting priority of work load - Work in cooperation with Sales Teams - Complete any other tasks in connection with the role but not detailed in the current job description, as directed by the line manager. **Knowledge and Experience**: - Minimum 5 years experience in a financial institution in a credit role - Good understanding of technology startups and the tech eco-system is preferable. **Skills & Competencies**: - Good interpersonal, negotiation and analytical skill - Management skills - Good written and spoken English and Spanish - Must have unquestionable integrity and high moral standards - Ability to pay attention to details, set priorities and work under pressure in an environment that is productivity driven **Education Level**: - College or university degree in Finance, Accounting or Economics - **Job Family Group**: Risk Management - **Job Family**: Credit Decisions - **Time Type**: Full time - Citi is an equal opportunity and affirmative action employer. Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. View the "**EEO is the Law**" poster. View the **EEO is the Law Supplement**. View the **EEO Policy Statement**. View the **Pay Transparency Posting