Credit Risk Associate, Citi

Citi

Location:
United States, Houston

Category:
Finance

Contract Type:
Employment contract

Salary:

8041.67 - 12050.00 USD / Month ▼

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Job Description:

Citi is looking for a skilled Credit Risk Associate responsible for a portfolio of institutional clients within the NAM Commodities sector. The associate will conduct credit analysis, prepare Credit Approval Memos, and monitor institutional relationships, including trend tracking and escalation of credit issues. Competitive salary and benefits offered, including medical, 401(k), and paid time off.

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
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 Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)

Requirements:

BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject
Financial Services experience including 3-5 years of credit experience in Banking or Credit Risk Management
Advanced Microsoft Office (Word, Excel, and PowerPoint) skills
Advanced experience with the internal Policies, Standards, Procedures, Templates and with financial modeling
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
Sets the standard for industry research capabilities, including risk and key drivers
Solid understanding of Credit Policy and procedures
Proactively reviews Citi policies and procedures to benchmark against transactions and work submitted
Demonstrates and executes the ability to identify potential risk issues that need escalation and escalates them promptly
Highly effective interpersonal skills, with the ability to build relationships and exert influence with and without direct authority with Senior Levels of Management
Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more
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

Nice to have:

Experience in covering commodities portfolios
Proven culture carrier
Embraces the need for change and appreciates its benefits with natural curiosity

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:
June 12, 2025

Expiration:
June 17, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Credit Risk Associate