Underwriting Credit Analyst (French Speaking)

Role Overview

As an Underwriting Credit Analyst, you will evaluate and monitor the credit risk of Citi’s corporate clients across Sub-Saharan Africa. Your work will inform lending decisions through financial analysis, internal credit assessments and regular portfolio reviews, while helping the team identify emerging risks and respond to changes in client and industry conditions.

Key Responsibilities

• Assess corporate counterparties using quantitative financial analysis and qualitative due diligence, considering both company-specific and industry factors.
• Prepare credit analysis memoranda for annual and quarterly reviews, ad hoc transactions, and portfolio or industry assessments.
• Form independent judgments on client creditworthiness and recommend internal ratings and credit exposure consistent with Citi’s risk appetite.
• Track changes in client financial health, sector conditions and key business relationships across the covered portfolio.
• Identify potential credit concerns and raise them promptly with senior underwriters, Risk teams and Banking partners.
• Work with regional and industry stakeholders in Banking and Independent Risk to apply credit assessment and monitoring standards.
• Use financial indicators such as liquidity and leverage to identify underlying drivers, emerging trends and forward-looking risks.

Requirements & Qualifications

• Financial services experience, including 0–3 years in credit analysis, banking, credit risk management or an equivalent field.
• BA/BSc or higher degree in Business or a related discipline; an MBA is also relevant.
• Intermediate analytical capability, including the ability to assess liquidity, leverage, financial trends and potential future credit issues.
• Ability to understand and apply policies and procedures, including adapting effectively when requirements change.
• Strong written and verbal communication skills, with the ability to present information clearly to colleagues at different levels of seniority.
• Effective relationship-building and influencing skills, including when working without direct authority.
• Good organisation and time management, with the ability to prioritise and work under pressure.
• Proficiency in Microsoft Word, Excel and PowerPoint.
• Strong spoken, written and reading proficiency in both French and English.
• Willingness to support colleagues in finding development opportunities that strengthen individual and team performance.