Credit Risk Senior Analyst

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 Citis institutional clients. ICMs 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 is an integral part of the Institutional Credit Management (ICM) organization. The group's 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 UW Analysis 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. A Credit Risk Senior Analyst is expected to have a strong understanding of credit risk, of Citi´s internal policies and procedures, and of being relatively knowledgeable about the industry fundamentals that portfolio belongs to. They should need some supervision from their respective Underwriters, especially on more sensitive and complex credit situations, and be able to carry thoughtful conversations with partners. This role has responsibility for the North America Industrials portfolio and the role reports directly to the Industrials Underwriting Manager. Key Responsibilities: · Assess the credit and financial strength of Citis 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 Citis Counterparties based on independent assessment and judgement; completed based on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Citis risk appetite · Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Team Leads, senior management, and business partners · 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%) Skills/Competencies: · Risk & Credit Underwriting: Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile, etc.) with the ability to identify root causes and trends and anticipate horizon issues 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; proactively refers to resources as needed Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly · Leadership: Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more Embraces the need for change and appreciates its benefits with natural curiosity Demonstrates professionalism by being reliable, actively contributing to meetings, asking questions, and challenging ideas · Interpersonal: 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 · Technical: Proficient Microsoft Office (Word, Excel, and PowerPoint) skills Progressive experience with the internal Policies, Standards, Procedures, Templates and with financial modeling Qualifications: · Bachelors/University degree or equivalent experience · Financial Services experience including 2-5 years of credit experience in banking or credit risk management ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Credit Risk ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Primary Location: Irving Texas United States ------------------------------------------------------ Primary Location Full Time Salary Range: $76,230.00 - $106,370.00 In addition to salary, Citis offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire. ------------------------------------------------------ Most Relevant Skills Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ Anticipated Posting Close Date: Nov 14, 2025 ------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citis EEO Policy Statement and the Know Your Rights poster.