Citi
Join to apply for the
Risk Analysis Credit Risk Senior Analyst
role at
Citi Join to apply for the
Risk Analysis Credit Risk Senior Analyst
role at
Citi 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 Risk Analysis Credit Risk 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 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 Credit Risk Team Lead, especially on more sensitive and complex credit situations, and be able to carry thoughtful conversations with partners, with some intervention of the respective Team Lead.
This role has responsibility for the NAM Insurance portfolio and the role reports directly to the NAM Insurance Team Lead.
Key Responsibilities:
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; completed based on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Citi’s 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:
BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject Financial Services experience including 2-3 years of credit experience in banking or credit risk management
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Job Family Group:
Risk Management
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Job Family:
Credit Decisions
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Time Type:
Full time
------------------------------------------------------
Primary Location:
Getzville New York United States
------------------------------------------------------
Primary Location Full Time Salary Range:
$61,120.00 - $85,280.00
In addition to salary, Citi’s 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:
Aug 12, 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 Citi’s EEO Policy Statement and the Know Your Rights poster. Seniority level
Seniority level Not Applicable Employment type
Employment type Full-time Job function
Job function Finance and Sales Industries Banking, Financial Services, and Investment Banking Referrals increase your chances of interviewing at Citi by 2x Get notified about new Credit Risk Specialist jobs in
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Risk Analysis Credit Risk Senior Analyst
role at
Citi Join to apply for the
Risk Analysis Credit Risk Senior Analyst
role at
Citi 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 Risk Analysis Credit Risk 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 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 Credit Risk Team Lead, especially on more sensitive and complex credit situations, and be able to carry thoughtful conversations with partners, with some intervention of the respective Team Lead.
This role has responsibility for the NAM Insurance portfolio and the role reports directly to the NAM Insurance Team Lead.
Key Responsibilities:
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; completed based on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Citi’s 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:
BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject Financial Services experience including 2-3 years of credit experience in banking or credit risk management
------------------------------------------------------
Job Family Group:
Risk Management
------------------------------------------------------
Job Family:
Credit Decisions
------------------------------------------------------
Time Type:
Full time
------------------------------------------------------
Primary Location:
Getzville New York United States
------------------------------------------------------
Primary Location Full Time Salary Range:
$61,120.00 - $85,280.00
In addition to salary, Citi’s 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:
Aug 12, 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 Citi’s EEO Policy Statement and the Know Your Rights poster. Seniority level
Seniority level Not Applicable Employment type
Employment type Full-time Job function
Job function Finance and Sales Industries Banking, Financial Services, and Investment Banking Referrals increase your chances of interviewing at Citi by 2x Get notified about new Credit Risk Specialist jobs in
Getzville, NY . Williamsville, NY $66,200.00-$121,800.00 1 week ago Securities and Derivatives Associate Analyst
Buffalo, NY $71,985.72-$119,976.20 2 months ago Securities and Derivatives Associate Analyst
Getzville, NY $55,341.00-$68,270.00 2 weeks ago Buffalo, NY $65,100.00-$86,800.00 2 weeks ago Credit Risk Business Analyst- VP - GETZVILLE
Getzville, NY $100,800.00-$151,200.00 2 weeks ago Intermediate Associate Credit Maintenance Analyst
Amherst, NY $55,000.00-$65,000.00 2 months ago Securities and Derivatives Intermediate Associate Analyst - Hybrid
Consumer Lending Pricing and Portfolio Forecasting Analyst - Hybrid
Functions - Finance, Summer Analyst, Buffalo - US 2026
Securities and Derivatives Intermediate Associate Analyst - Hybrid
Syndicates Equity and Debt Operations Analyst
Financial Analyst II - Regulatory Reporting (Hybrid Buffalo, NY)
Buffalo, NY $60,890.34-$101,483.90 3 weeks ago Buffalo, NY $59,736.00-$74,670.00 3 days ago Financial Analyst II (Financial Planning and Analysis Hybrid Buffalo, NY)
Buffalo, NY $60,890.34-$101,483.90 2 days ago Finance Reporting Intermediate Analyst - Officer (HYBRID)
Getzville, NY $70,080.00-$105,120.00 14 hours ago Buffalo, NY $60,890.34-$101,483.90 2 months ago Getzville, NY $55,440.00-$77,360.00 1 day ago Buffalo, NY $71,985.72-$119,976.20 2 months ago Buffalo, NY $60,890.34-$101,483.90 2 months ago Buffalo, NY $85,104.04-$141,840.06 1 month ago Finance Solutions Intermediate Analyst - Officer (Hybrid)
Getzville, NY $61,120.00-$85,280.00 2 weeks ago Operational Risk Officer - Business Banking
Buffalo, NY $90,000.00-$110,000.00 2 weeks ago Niagara Falls, Ontario, Canada 1 month ago Credit Risk Quantitative Expert - Commercial Credit Scorecard Development (Hybrid - see potential locations in job description)
Buffalo, NY $141,158.45-$235,264.09 2 months ago We’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI.
#J-18808-Ljbffr