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Wholesale Credit Risk Intermediate Analyst

https://www.citi.com/ Logo

Citi

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Location:
India , Mumbai

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Category:

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Contract Type:
Not provided

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Salary:

Not provided

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 UW mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration acting as a partner to Banking & International Risk and Corporate Banking to execute our shared commitment to ensuring the safety and soundness of wholesale lending across Client Organization. ICM Credit Risk Senior Analysts are responsible for a portfolio of relationships, owning the credit risk analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of annual reviews, quarterly reviews, and the support to ad-hoc transactions and portfolio & industry reviews and stress testing.

Job Responsibility:

  • Assess the credit and financial strength of Citi’s Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
  • Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR) of Citi’s Counterparties based on independent assessment and judgement
  • Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues
  • Partnership with applicable regional and industry stakeholders in in the implementation of credit assessment and monitoring standards for applicable portfolios
  • Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
  • Travel (less than 10%)

Requirements:

  • Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile, etc.)
  • Demonstrates considerable knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
  • Displays robust industry research capabilities, including risk and key drivers
  • Strong understanding of Credit Policy and procedures
  • Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly
  • Strong interpersonal skills, with the ability to build relationships
  • Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
  • Solid written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
  • Proficient Microsoft Office (Word, Excel, and PowerPoint) skills
  • Progressive experience with the internal Policies, Standards, Procedures, Templates and with financial modeling
  • Financial Services experience including 3-6 years of credit experience in banking or credit risk management
  • Bachelor’s/University degree or equivalent experience

Additional Information:

Job Posted:
December 28, 2025

Employment Type:
Fulltime
Work Type:
On-site work
Job Link Share:

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