Credit Risk Associate, Citi

Citi

Location:
United States, Houston

Category:
Finance

Contract Type:
Employment contract

Salary:

96400.00 - 144600.00 USD / Year

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Job Description:

Credit Risk Associate responsible for portfolio of institutional relationships, owning Credit Risk Analysis and continuous monitoring including production of Annual Reviews, Quarterly Reviews, and support to ad-hoc transactions and portfolio & industry reviews and stress testing. Role has responsibility for Commodities portfolio and reports to Commodities Underwriter Manager.

Job Responsibility:

Assess credit and financial strength of Citi's most complex Large Corporate, Public Sector, and Financial Institutions Clients
Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR)
Continuous monitoring of covered portfolio including industry trends and impacts to key relationships
Review and provide recommendation on risk rating across sector
Partnership with regional and industry stakeholders in implementation of credit assessment standards
Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)

Requirements:

Bachelor's/University degree in Accounting, Finance or Economics or equivalent experience
Financial Services experience including 5-8 years of credit experience in Banking or Credit Risk Management
Well-developed analytical skills with understanding of key financial components
Advanced knowledge of financial statements and GAAP accounting
Solid understanding of Credit Policy and procedures
Advanced Microsoft Office (Word, Excel, and PowerPoint) skills
Advanced experience with internal Policies, Standards, Procedures, Templates and financial modeling

Nice to have:

Risk & Credit Underwriting: Forms independent opinions on credit and recognizes emerging risks
Sets the standard for industry research capabilities
Leadership: Displays deep commitment and positive attitude to Citi and colleagues
Embraces the need for change and appreciates its benefits
Interpersonal: Highly effective interpersonal skills with ability to build relationships and exert influence
Exceptional written and verbal communication skills

What we offer:

Medical, dental & vision coverage
401(k)
Life, accident, and disability insurance
Wellness programs
Paid time off packages including vacation, sick leave, and paid holidays
Discretionary and formulaic incentive and retention awards

Additional Information:

Job Posted:
October 18, 2025

Expiration:
October 23, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Credit Risk Associate