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 Credit Analysts are responsible for a portfolio of relationships, owning the production of credit risk analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. This production includes annual reviews, quarterly reviews, and support to ad-hoc transactions and other credit deliverables.
A Credit 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 the portfolio belongs to. They should need some supervision from Jr. and Sr. senior UWs, especially on more sensitive and complex credit situations, and be able to carry thoughtful conversations with partners.
This role has responsibility for the NAM Diverse Financials portfolio inclusive of Non-Bank Financial Institutions (NBFI), FinTechs and Financial Market Infrastructure (FMI) counterparties.
Key Responsibilities
Assess the credit and financial strength of Citi’s Large 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
2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.
Degree in Quantitative Fields such as Economics, Engineering, Operations Research, Business Finance, or Mathematics.
Previous experience in credit 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.
Education
Bachelor's/University degree or equivalent experience
Job Family Group: Risk Management
Job Family: Credit Risk
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.
Anticipated Posting Close Date Dec 24, 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.
#J-18808-Ljbffr
ICM Credit Analysts are responsible for a portfolio of relationships, owning the production of credit risk analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. This production includes annual reviews, quarterly reviews, and support to ad-hoc transactions and other credit deliverables.
A Credit 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 the portfolio belongs to. They should need some supervision from Jr. and Sr. senior UWs, especially on more sensitive and complex credit situations, and be able to carry thoughtful conversations with partners.
This role has responsibility for the NAM Diverse Financials portfolio inclusive of Non-Bank Financial Institutions (NBFI), FinTechs and Financial Market Infrastructure (FMI) counterparties.
Key Responsibilities
Assess the credit and financial strength of Citi’s Large 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
2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.
Degree in Quantitative Fields such as Economics, Engineering, Operations Research, Business Finance, or Mathematics.
Previous experience in credit 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.
Education
Bachelor's/University degree or equivalent experience
Job Family Group: Risk Management
Job Family: Credit Risk
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.
Anticipated Posting Close Date Dec 24, 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.
#J-18808-Ljbffr