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Senior Credit Risk Analyst

https://www.citi.com/ Logo

Citi

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Location:
Mexico , Ciudad De Mexico

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Category:
Finance

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Contract Type:
Not provided

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Salary:

Not provided
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Job Description:

The Senior Credit Risk Analyst role is focused on analyzing the creditworthiness of individuals and entities, assigning risk ratings, recommending, or approving credit extensions or withdrawals, and providing ongoing monitoring of credit exposures. This role includes those with credit approval authority for portfolios requiring management for delinquency. Individuals within this role maintain a balance between risk and return, ensuring that credit policies are appropriate, and perform regular in-depth reviews of the credit portfolio. This role manages and mitigates potential credit losses, safeguarding the company's financial stability and supporting sustainable business growth.

Job Responsibility:

  • Independently review and assess business problems, leveraging extensive knowledge of industry standards and practices to evaluate potential risks in assigned portfolios
  • Identify emerging threats and implement mitigation strategies
  • Analyze and suggest improvements in credit risk processes for assigned portfolio based on in-depth analysis and industry best practices
  • Ensure the appropriateness and completeness of credit risk components, validating their usage trends
  • Manage risk through various means, including spreading of client business, financial statement analysis, recognizing potential client risk early, periodic financial statement reviews, tracking financial covenants, and monitoring borrowing base credit facility compliance
  • Communicate any potential risks to senior management, providing regular updates about the status of their Reviews
  • Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization
  • Proactively seeks to understand and act in alignment with organizational decisions
  • helps others prioritize team and enterprise success over their own personal agenda
  • Proactively identifies opportunities to streamline work
  • creates process improvements that enhance efficiency for self and the team
  • Takes personal accountability for escalating, identifying, and managing potential risk
  • implements controls that enhance the client experience and operational effectiveness
  • Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult
  • Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals
  • Proactively seeks out opportunities to volunteer in Citi programs that support the community
  • advocates for solutions that meet the needs of Citi’s clients and the community
  • Enthusiastically promotes the unique needs and preferences of colleagues
  • makes active commitment to help colleagues achieve balance, well-being, and development

Requirements:

  • 5-8 years relevant experience
  • Previous experience in credit card risk management or equivalent training and experience preferably in the financial services industry
  • Ability to apply credit and risk principles toward business goals
  • Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency
  • Must be highly organized and able to work in a fast paced environment managing multiple projects and possess effective interpersonal, organizational and analytic skills
  • Command of Customer Accounting Systems and Credit Platforms
  • Extensive professional experience in similar role, demonstrating proficiency in credit approval, portfolio monitoring, and financial statement analysis
  • Bachelor’s/University degree or equivalent experience

Additional Information:

Job Posted:
February 04, 2026

Employment Type:
Fulltime
Work Type:
On-site work
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