Intermediate Associate Credit Maintenance Analyst at Citi

Getzville, New York, United States -

Full Time

Start Date

Immediate

Expiry Date

24 Jan, 26

Salary

77360.0

Posted On

26 Oct, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Data Quality, Credit Exposure, Due Diligence, Financial Analysis, Risk Analysis, Credit Worthiness, Documentation, Collaboration, Analytical Skills, Communication, Loan Maintenance, Covenant Monitoring, Client Interaction, Reporting, Compliance, Collateral Management

Industry

Financial Services

Description

The Intermediate Associate Credit Maintenance Analyst is an entry level position responsible for capturing and recording data related to credit exposure, obligors and facilities in relevant credit systems in coordination with the Operations - Services team. The overall objective of this role is to maintain data quality in credit systems, monitor credit exposure and adhere to overall credit policies. Responsibilities: Support business in new credit origination, pull due diligence reports as necessary, and build/maintain credit files or other documentation required by credit risk policy Contact significant clients directly to obtain financial statements, tax returns, and accounts receivable aging, analyze high net worth clients and recommend credit worthiness based on due diligence findings as well as analyze risks associated with lending Prioritize and process incoming credit requests and reviews for accuracy and completeness as well as interpret to convert to concise and accurate credit facilities Monitor and coordinate timely clearing of pre-closing requirements including conditions precedent, Basel collateral reporting requirements, and documentation Facilitate and execute proper set up of soft cell credit exposure including Automated Clearing House (ACH) and fed fund check clearing as well as perform data integrity reviews Coordinate with Risk Management, Finance, and Operations to ensure reporting requirements are met and loan maintenance requests are completed accurately Analyze and review information obtained from Credit Approval Process and loan documentation for accuracy, completeness, and quality as well as analyze final loan documentation to ensure consistency with credit approvals and conditions precedent have been satisfied Secure collateral, monitor collateral adequacy, and notify Relationship Manager (RM) if escalation is warranted Monitor credit availability, approve requests, and coordinate disbursements with Loan Operations Monitor intra-day and end-of-day exposure against limits where relevant, prioritize exceptions detected, and escalate as needed Review credit worthiness for existing clients and credit facilities in a relationship with expertise in complex credits and significant relationships Analyze/monitor covenants and reporting requirements such as accounts receivables aging, inventory reports, and tax returns Provide senior subject matter expertise to Relationship Managers, Product Managers, and Portfolio Managers 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: 2-5 years of relevant experience Consistently demonstrates clear and concise written and verbal communication Demonstrated analytical skills Education: Bachelor’s degree/University degree or equivalent experience This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. ------------------------------------------------------ Job Family Group: Operations - Services ------------------------------------------------------ Job Family: Credit Maintenance ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Primary Location: Getzville New York United States ------------------------------------------------------ Primary Location Full Time Salary Range: $55,440.00 - $77,360.00 In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire. ------------------------------------------------------ Most Relevant Skills Please see the requirements listed above. ------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ Anticipated Posting Close Date: Nov 01, 2025 ------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.

Responsibilities

The role involves capturing and recording data related to credit exposure and maintaining data quality in credit systems. It also includes monitoring credit exposure and ensuring adherence to credit policies.