Credit Risk Senior Analyst

The Credit Risk Senior Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally.

A Credit Risk Senior Analyst is expected to have a deep understanding of credit risk, of Citi´s internal policies and procedures, and of being knowledgeable about the industry fundamentals that portfolio belongs to. They should need minimal supervision from their respective Underwriters and be able to carry thoughtful conversations with Risk and Business partners.

Responsibilities

• Assess the credit and financial strength of Citi’s most complex Large Corporate Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
• Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite
• Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriters, Risk and Business partners
• Reviewing and providing recommendation on the risk raking across this sector
• Partnership with applicable regional and industry stakeholders in Business and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
• Support Voice of the Employee (VOE) initiatives
• Travel (less than 10%)

Required Qualifications & Skills

• Advanced spoken English communication skills are required. All resumes must also be submitted in English.
• Advanced spoken English communication skills are required. All resumes must be submitted in English.
• Requires 5-7 years of previous credit authority experience, including experience in a regulatory and compliance policy environment.
• Proven analytical skills, including the ability to understand and assess individual and company financial statements, cash flow, industry/competitive analysis, and projections, particularly for complex business structures with foreign subsidiaries and/or parent organizations.
• Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process.
• Excellent organizational skills, attention to detail, an ability to prioritize, and the capacity to complete assignments within required deadlines in a fast-paced environment.
• Effective interpersonal and written/verbal communication skills.
• Thorough problem recognition and resolution skills.
• A proactive disposition with the ability to work both autonomously and as part of a team.
• Proficiency in various spreadsheet and word processing applications (e.g., Excel and Word), including the use of graphs, charts, and financial analysis software.
• Typically deals with complex and variable issues with substantial potential impact, where developing an approach or taking action involves weighing various alternatives and balancing potentially conflicting needs.
• Requires strong analytical skills to filter, prioritize, and validate potentially complex material from multiple sources.
• Exercises a wide degree of latitude and discretion.
• Work has a significant impact on the area through complex deliverables.
• Provides advice and counsel related to the technology or operations of the business.
• Work impacts an entire area, which in turn affects the overall performance and effectiveness of the sub-function/job family.

What We Offer

At Citi, you will work within a high-performing global risk team where your analytical expertise directly influences credit decisions at scale. We offer a collaborative environment that supports professional growth, meaningful impact, and long-term career development.

• Hybrid working model with 3 days in the office and 2 days working remotely, giving you flexibility while staying connected to your team.
• Exposure to complex, large corporate credit portfolios and counterparty relationships across global markets, broadening your industry and risk expertise.
• Access to learning and development programmes designed to support your continued growth in credit risk and financial services.
• Opportunity to build meaningful relationships with senior risk and business stakeholders across regional and global teams.
• Wellbeing support and work-life balance initiatives that help you perform at your best inside and outside of work.
• Competitive financial benefits and rewards that reflect your contribution and experience.

Apply today and bring your credit risk expertise to a team where your analysis of clients and counterparties shapes decisions that matter on a global scale.