Credit Analyst – Commercial Banking

Citi is seeking a Credit Analyst to join its Commercial Banking team in Mexico City. This role is ideal for a credit professional who enjoys financial analysis, risk assessment, and working closely with bankers and credit officers to support lending decisions for commercial clients.

As a key member of the credit team, you will analyze borrower financial performance, evaluate risk, support underwriting activities, and help ensure high-quality credit decisions. The position offers exposure to a diverse portfolio of clients and industries, providing an excellent platform for building a long-term career in commercial banking and credit risk.

Role Overview

The Credit Analyst supports the evaluation, underwriting, and ongoing monitoring of commercial lending relationships. This includes analyzing complex financial statements, assessing repayment capacity, reviewing collateral coverage, and supporting credit officers throughout the lending lifecycle.

The role also provides opportunities to develop industry expertise, mentor junior analysts, and contribute to process improvements and portfolio quality initiatives.

Responsibilities:

• Spread new, renewal, interim financial statements and business/individual tax returns in accordance with bank guidelines (focus on more complex financial statements (i.e. Not-For-Profit).
• Provide succinct analysis based on customers, peers, the portfolio, and the industry.
• Provide preliminary analysis of simple to complex credits, including calculation of cash flow, debt service coverage, collateral coverage, and guarantor net worth.
• Coordinate with the Credit Officers, Credit Analysts, Other Credit Center Staff and Relationship Managers.
• Act in an advisory role for the Credit Officers/Relationship Managers on loan agreement/covenants clarification and monitoring.
• Complete quality assurance reviews to ensure application packages and analysis are thorough and accurate prior to forwarding for underwriting.
• Provide leadership, training, and coaching to Credit Analyst I positions and back up support to the
• Application Preparation Team Manager.
• May act as an industry specialist with responsibility for SBA/EXIM loan analysis
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications & Experience

• 2–5 years of experience in credit analysis, commercial banking, corporate banking, underwriting support, or credit risk.
• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field.
• Strong English communication skills (written and spoken)
• Strong understanding of financial statement analysis and credit fundamentals.
• Experience analyzing commercial borrowers and assessing repayment capacity.
• Strong analytical, organizational, and communication skills.
• Advanced proficiency in Excel and financial analysis tools.
• Experience with commercial lending, middle-market banking, SBA, or specialized lending products.
• Familiarity with GAAP and financial reporting principles.
• Experience using spreading or credit analysis systems.