Credit Risk Associate, Citi

Citi

Location:
United States, Irving

Category:
Banking

Contract Type:
Employment contract

Salary:

96400.00 - 144600.00 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.

Job Responsibility:

Adoption of leading practices in credit analysis, underwriting, and monitoring
Drafting of Credit Approval Memo (CAM) packages
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
Manage portfolio of relationships across the North American Energy Industries
Production of annual reviews, quarterly reviews, and support of ad-hoc transactions and portfolio & industry reviews and stress testing

Requirements:

5-8 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
Proficient presentation skills
Bachelor's/University degree preferably in Finance, Economics, Accounting or Business Administration
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

Nice to have:

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

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 15, 2025

Expiration:
October 21, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Credit Risk Associate