Credit Risk Associate, Citi

Citi

Location:
Brazil, São Paulo

Category:
Finance

Contract Type:
Employment contract

Salary:

Not provided

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Job Description:

Citi continues to enhance its business control and governance framework by building out Institutional Credit Management, a first line of defense business line, to house and consistently manage credit risk activities performed for Citi’s institutional clients. ICM UW Credit Risk Associates are responsible for credit analysis, underwriting, monitoring tasks, and credit administration of institutional portfolios in diversified industries.

Job Responsibility:

Assess the credit and financial strength of Citi’s most complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR) of Citi’s Counterparties based on independent assessment and judgement
completed based on due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Citi’s risk appetite
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Team Leads, senior managers, and business partners
Review and provide a recommendation on the risk rating across this sector
Partnership with applicable regional and industry stakeholders in the implementation of credit assessment and monitoring standards for applicable portfolios
Support ICM UW Voice of the Employee (VOE) initiatives
Travel (less than 10%).

Requirements:

Bachelor’s/University degree or equivalent experience
Financial Services experience including 5-8 years of credit experience in Banking or Credit Risk Management
English fluency is required
Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile, etc.) with the ability to identify root causes and trends and anticipate horizon issues
Forms independent opinions on credit and recognizes emerging risks
Demonstrates advanced knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
Solid understanding of Credit Policy and procedures
Proactively reviews Citi policies and procedures to benchmark against transactions and work submitted
Highly effective interpersonal skills, with the ability to build relationships and exert influence with and without direct authority with Senior Levels of Management
Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
Exceptional written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
Advanced Microsoft Office (Word, Excel, and PowerPoint) skills
Advanced experience with the internal Policies, Standards, Procedures, Templates and with financial modeling.

What we offer:

Equal opportunity employment
Accessibility support for persons with disabilities
Work-life balance.

Additional Information:

Job Posted:
October 22, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Credit Risk Associate