The Credit Maintenance Specialist 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:
- Interact with clients assigned through inbound calls and process queue work
- Assist in performing credit deaccessioning using internal and external credit information such as credit bureaus, trade experience, personal guarantees, financial statements, and bank references
- Analyze information to judge credit worthiness
- Assist in client issue resolution and addressing credit needs
- Aid in ensuring compliance to company and credit policies, auditing procedures, and department goals and standards
- Aid in ensuring consistency and quality of process across the company
- Support cross-training and line-balance opportunities to assist business partners
- Fulfilling the clients’ necessities while providing an exceptional client experience is the expected behavior from all our employees and it will be measured by specific metrics.
- 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:
- 1-3 years of relevant experience
- Experience in credit, lending, and working within a financial department
- Working knowledge of interpreting online reports from Experian and/or Dun & Bradstreet
- Demonstrated skills in analyzing and interpreting financial documents such as tax returns, annual statements, balance sheets, and signature validations
- Proficient computer skills with a focus on Microsoft Office applications (Word, Excel and PowerPoint)
- Basic knowledge of the organization and its policies required
- Consistently demonstrates clear and concise written and verbal communication
Education:
- High School diploma or equivalent
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
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Job Family Group:
Operations - Services------------------------------------------------------
Job Family:
Credit Maintenance------------------------------------------------------
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.
Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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.
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View the Pay Transparency Posting
Skills Required
- 1-3 years of relevant experience
- Experience in credit, lending, and financial department work
- Working knowledge of interpreting Experian and/or Dun & Bradstreet reports
- Ability to analyze and interpret tax returns, annual statements, balance sheets, and signature validations
- Proficiency with Microsoft Office applications, including Word, Excel, and PowerPoint
- Basic knowledge of organizational policies
- Clear and concise written and verbal communication skills
- High school diploma or equivalent
Citi Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Citi and has not been reviewed or approved by Citi.
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Healthcare Strength — Health coverage is presented as comprehensive, including free in-network preventive care, mental-health resources, and the Be Well Program. Materials also state new hires have access to health and insurance benefits from the outset.
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Retirement Support — The retirement plan offers a $1-for-$1 match up to 6% of eligible pay. New employees are eligible for the plan, with automatic enrollment after 90 days if they do not enroll themselves.
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Inclusive Benefits Coverage — Benefits highlight fertility treatment coverage, adoption/surrogacy reimbursement up to $30,000, and disability coverage. Coverage extends to spouses and domestic partners regardless of gender identity or sexuality, with gender-affirming care-related support noted.
Citi Insights
What We Do
Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients. We have 200 years of experience helping our clients meet the world's toughest challenges and embrace its greatest opportunities. We are Citi, the global bank – an institution connecting millions of people across hundreds of countries and cities.
