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Credit Risk Officer

https://www.citi.com/ Logo

Citi

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Location:
United States , Irving

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Category:

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Contract Type:
Not provided

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Salary:

114720.00 - 172080.00 USD / Year

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 Corporate - Natural Resources / Energy portfolio, 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 NAM Corporate Underwriting Manager of Natural Resources - Energy vertical.

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, and senior approval forums
  • Detailed financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis
  • Authoring of Credit Approval Memos (CAM) packages
  • Partner with Front Office on structuring and production of term sheet for new transactions
  • Facilitate relationships with key clients in Banking and Risk and with key Regulators, Internal Audit, and control functions
  • Support ICM Underwriting organization on strategic initiatives / projects as required

Requirements:

  • 6-10 years risk/risk-related credit work experience in banking/financial institutions
  • Proven ability to effectively engage with regulators and internal control functions including Internal Audit and Fundamental Credit Risk as well as with external audit
  • Demonstrates strong ethics and integrity
  • Ability to see the ‘big picture’ in a complex environment
  • Can make decisions under pressure and short timeline
  • Excellent verbal & written communication skills
  • Active listening skills
  • Excellent presentation skills – adept at presenting effectively to audiences of various sizes and various constituencies
  • Bachelor’s/University degree, Master’s degree preferred
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:
March 04, 2026

Employment Type:
Fulltime
Work Type:
Hybrid work
Job Link Share:

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