Citi
Overview
Credit Risk Associate - Assistant Vice President 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 manage credit risk activities for Citi’s institutional clients. ICM provides integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise. The Credit Underwriting function (ICM UW) provides credit analysis, underwriting, and first line of defense credit approval for periodic/material transaction reviews and subsequent credit monitoring across all institutional business including Corporate Banking, Services, and Markets relationships.
Responsibilities
Assess the credit and financial strength of Citi’s most complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using quantitative and qualitative factors
Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR) of Citi’s counterparties based on independent assessment and judgment; perform due diligence of the client and industry knowledge to provide appropriate extensions of credit within Citi’s risk appetite
Continuously monitor the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Team Leads, senior managers, and business partners
Review and provide a recommendation on the risk rating across the sector
Partner with applicable regional and industry stakeholders 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
Well-developed analytical skills, including understanding of key financial components (liquidity position, leverage profile, etc.) with the ability to identify root causes and trends
Forms independent opinions on credit and recognizes emerging risks
Demonstrates advanced knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
Sets the standard for industry research capabilities, including risk and key drivers
Solid understanding of Credit Policy and procedures; proactively reviews Citi policies to benchmark against transactions and work submitted
Demonstrates and executes the ability to identify potential risk issues and escalates them promptly
Leadership
Shows commitment and reliability; eager to contribute and learn
Embraces change and demonstrates natural curiosity
Professionalism in meetings, asks questions, and challenges ideas
Proven culture carrier
Interpersonal
Effective interpersonal skills with ability to influence with and without direct authority
Strong organizational skills and ability to work under pressure
Excellent written and verbal communication across audiences of varying seniority
Technical
Advanced Microsoft Office (Word, Excel, PowerPoint)
Experience with internal policies, standards, procedures, templates, and financial modeling
Qualifications
Bachelor’s/University degree in Accounting, Finance or Economics or equivalent experience
Financial services experience including 5–8 years of credit experience in banking or credit risk management
Job Family Group: Risk Management
Job Family: Credit Risk
Time Type: Full time
Location & Compensation Primary Location: Houston, Texas, United States
Primary Location Full Time Salary Range: $96,400.00 - $144,600.00
In addition to salary, 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, including vacation, sick leave, and holidays. Availability of offerings may vary by jurisdiction, job level, and date of hire.
Equal Opportunity Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to 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 need a reasonable accommodation to use our tools to search or apply for a career opportunity, please view Citi’s accessibility options and EEO policy statements.
Posting Details Anticipated posting close date: Oct 23, 2025
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Responsibilities
Assess the credit and financial strength of Citi’s most complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using quantitative and qualitative factors
Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR) of Citi’s counterparties based on independent assessment and judgment; perform due diligence of the client and industry knowledge to provide appropriate extensions of credit within Citi’s risk appetite
Continuously monitor the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Team Leads, senior managers, and business partners
Review and provide a recommendation on the risk rating across the sector
Partner with applicable regional and industry stakeholders 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
Well-developed analytical skills, including understanding of key financial components (liquidity position, leverage profile, etc.) with the ability to identify root causes and trends
Forms independent opinions on credit and recognizes emerging risks
Demonstrates advanced knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
Sets the standard for industry research capabilities, including risk and key drivers
Solid understanding of Credit Policy and procedures; proactively reviews Citi policies to benchmark against transactions and work submitted
Demonstrates and executes the ability to identify potential risk issues and escalates them promptly
Leadership
Shows commitment and reliability; eager to contribute and learn
Embraces change and demonstrates natural curiosity
Professionalism in meetings, asks questions, and challenges ideas
Proven culture carrier
Interpersonal
Effective interpersonal skills with ability to influence with and without direct authority
Strong organizational skills and ability to work under pressure
Excellent written and verbal communication across audiences of varying seniority
Technical
Advanced Microsoft Office (Word, Excel, PowerPoint)
Experience with internal policies, standards, procedures, templates, and financial modeling
Qualifications
Bachelor’s/University degree in Accounting, Finance or Economics or equivalent experience
Financial services experience including 5–8 years of credit experience in banking or credit risk management
Job Family Group: Risk Management
Job Family: Credit Risk
Time Type: Full time
Location & Compensation Primary Location: Houston, Texas, United States
Primary Location Full Time Salary Range: $96,400.00 - $144,600.00
In addition to salary, 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, including vacation, sick leave, and holidays. Availability of offerings may vary by jurisdiction, job level, and date of hire.
Equal Opportunity Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to 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 need a reasonable accommodation to use our tools to search or apply for a career opportunity, please view Citi’s accessibility options and EEO policy statements.
Posting Details Anticipated posting close date: Oct 23, 2025
#J-18808-Ljbffr