Credit Risk Analyst Job at Citi (Irving)

Credit Risk Analyst

Citi

Location:
United States , Irving

Category:
Finance

Contract Type:
Not provided

Salary:

76230.00 - 106370.00 USD / Year

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Job Description:

Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi’s institutional clients. ICM’s objective is to provide integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise. Within ICM, the Credit Underwriting function (“ICM UW” or “UW”) provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking, Services, and Markets relationships. ICM Underwriters manage a portfolio of relationships across NAM/TMT, being responsible for the continuous monitoring of that portfolio. That includes the production of annual reviews, quarterly reviews, and the support of ad-hoc transactions and portfolio & industry reviews and stress testing, in partnership with Corporate Banking and Risk. This role reports to Underwriting Manager.

Job Responsibility:

Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions to development of credit approval memos
Drafting of Credit Approval Memo (CAM) packages including but not limited to ensuring they are complete and accurate
Conducting initial financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis
Support relationships with key stakeholders in Banking and Risk and with key Regulators, Internal Audit, and control functions
Support ICM Underwriting organization on strategic initiatives /projects as required
Executes, aligned with global and regional strategies, all responsibilities regarding underwriting

Requirements:

2-5 years relevant experience
Experience in effectively engaging with various functions
Demonstrates strong ethics and integrity
Ability to understand the ‘big picture’ in a complex environment
Strong verbal & written communication skills. Active listening skills
Demonstrated influencing and negotiating ability, resolve conflicts amongst various constituencies
Proficient presentation skills – adept at presenting effectively to audiences of various sizes and various constituencies
Bachelor’s/University degree or equivalent experience
Experience in and exposure to global credit risk management standards
Ability to understand financing and product structures
Ability to assess financial and industry data to conduct credit assessment
Able to discuss and address issues associated with the allocation of risk assets and risk capital in partnership with stakeholders and product organizations.
Ability to understand nuances of local markets, local regulation, and the capabilities and practices of competitors
Navigates organizational complexity and breaks silos
Creates and sustains a network of strong partnerships with the business in all segments & geographies and other risk functions
Provides well-reasoned, balanced assessments of risk/return trade-offs associated with transactions and client relationships

What we offer:

medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays
discretionary and formulaic incentive and retention awards

Additional Information:

Job Posted:
December 31, 2025

Expiration:
January 06, 2026

Employment Type:

Fulltime

Work Type:

Hybrid work

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