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Credit Risk Senior Analyst

https://www.citi.com/ Logo

Citi

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Location:
United States , Irving

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Category:
Banking

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Contract Type:
Employment contract

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Salary:

123968.00 USD / Year
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Job Description:

Citibank, N.A. seeks a Credit Risk Senior Analyst for its Irving, Texas location.

Job Responsibility:

  • Focus on the rigorous internal analysis and subsequent underwriting of Consumer Goods, Retail and Healthcare portfolio as part of internal portfolio management and transaction requests
  • Manage a dedicated portfolio of clients via continuous monitoring of their financial performance, industry trends, and overall creditworthiness to proactively identify risks and opportunities
  • Review and standardize the client-provided financial data (e.g., annual reports, quarterly statements) to align with Citi's internal accounting and analysis guidelines
  • Compute a comprehensive suite of critical financial ratios, essential for evaluating various facets of a company's performance
  • Perform in-depth qualitative and quantitative reviews of the core financial statements, Income Statement, Balance Sheet and Cash Flow
  • Conduct several additional layers of analysis, including industry, covenant, capital/corporate structure, and modeling
  • Ensure adherence to Citi’s Wholesale Credit Policy, ensuring all analysis and underwriting decisions strictly comply with/align with both internal risk appetite and external regulatory requirements
  • Perform the comprehensive analysis needed to derive the internal risk ratings for each client via Debt Rating Models/Scorecards

Requirements:

  • Master’s degree or foreign equivalent in Finance, Business Administration, Accounting, Economics or related field and 3 years of experience as a Financial Analyst, Credit Analyst, Senior Financial Data Analyst, Associate or related position
  • Will also accept a Bachelor’s degree or foreign equivalent in the above disciplines and 5 years of progressive, post baccalaureate experience as listed above
  • 3 years of experience must include: Writing credit memorandums regarding Credit Risk financial statement analysis, covenant analysis, Peer comp, Industry analysis, Leverage ratios, Liquidity, repayment capacity, financial spreading, and collateral analysis
  • Modeling/forecasting performance for client based on disclosed information from the client, industry trends, and macro environment
  • Using FactSet to extract borrower’s information related to debts, its peers and consensus estimates used for projections, and information related to any transactions or M&A related to borrower
  • Using S&P CAPIQ to extract borrower’s Capital structure information
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

Additional Information:

Job Posted:
May 04, 2026

Employment Type:
Fulltime
Work Type:
Hybrid work
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