Credit Analyst – Corporate Banking

About the role

Citi Commercial Bank in Prague offers a Credit Analyst position within its Credit Risk function. The role supports the bank's growth by analysing transactions so they meet the risk and return goals of the business, working with internal and external clients in Western Europe and the UK. It is a developing professional role with structured training and guidance from senior Underwriters, leading to participation in and eventually leading credit due diligence.

Key responsibilities

• Work with Underwriters and Relationship Managers to structure and analyse credit requests, and spread financial statements according to guidelines and internal systems.
• Produce credit analysis memos covering financial analysis, key strengths, risks and mitigants, and present analyses to senior stakeholders.
• Analyse simple to medium complexity credits and prepare simple financial projections and assessments of client repayment capacity.
• Monitor Early Warning signals and prepare periodic credit reviews for a portfolio of clients within agreed turnaround times and CLM pipeline rules.
• Stay informed on global economic and industry developments, and work with colleagues globally to offer credit solutions to international subsidiaries.
• Take part in CLM tasks such as round tables, quarterly covenant checks, reporting, stress testing and audits, and give credit advice to junior colleagues.
• Maintain compliance with credit policies, procedures and regulations, and exercise delegated Credit Officer limits.
• Train and coach junior Credit Analysts and share best practices; work across European clusters (CE4, Western Europe, the UK).

Required profile

• University degree.
• At least 2 years of relevant banking experience in credit analysis, relationship management, early warning, loan remedial management or corporate underwriting.
• Strong verbal and written English; German, Italian, Spanish or French is an advantage.
• Self-organised, able to work under pressure, with strong analytical thinking and a balanced risk-business approach.

Required skills

• Solid knowledge of financial statement analysis and accounting, mainly IFRS EU standards.
• Good understanding of bank products, collateral types, loan documentation and covenants.
• PC skills (MS Office) and willingness to learn Credit Approval systems and internal AI tools.

What we offer

• Business casual workplace with a hybrid model (up to 2 days at home per week).
• Competitive base salary reviewed annually, with additional benefits.