Citi
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Credit Risk Associate
role at
Citi
Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM). ICM’s objective is to provide integrated end‑to‑end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise.
Key Responsibilities
Assess the credit and financial strength of Citi’s most complex large corporate, public sector, and financial institution clients by performing fundamental credit analysis of counterparties using quantitative and qualitative factors.
Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORRs) based on independent assessment and judgment; ensure credit extensions remain within Citi’s risk appetite.
Continuously monitor the covered portfolio, follow industry trends, and escort potential credit issues to team leads, senior managers, and business partners.
Review and provide recommendations on risk ratings across sectors.
Partner with regional and industry stakeholders to implement 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, with a deep understanding of key financial components.
Forms independent opinions on credit and recognizes emerging risks.
Advanced knowledge of financial statements and GAAP accounting.
Sets the standard for industry research capabilities.
Solid understanding of Credit Policy and procedures; proactively reviews Citi policies.
Identifies potential risk issues that need escalation and escalates them promptly.
Leadership
Displays a deep commitment and positive attitude to Citi and colleagues.
Embraces the need for change and appreciates its benefits with natural curiosity.
Demonstrates professionalism in meetings, asks questions, and challenges ideas.
Proven culture carrier.
Interpersonal
Highly effective interpersonal skills, building relationships and exerting influence without direct authority.
Solid organizational skills, working under pressure and managing time and priorities.
Exceptional written and verbal communication skills.
Technical
Advanced Microsoft Office (Word, Excel, PowerPoint) skills.
Advanced experience with internal policies, standards, procedures, templates, and financial modeling.
Qualifications
BA/BSc in Finance or Accounting or a higher degree in Business (MBA), or any related subject.
Financial services experience, including 3–5 years of credit experience in banking or credit risk management.
Job Details 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: $77,280.00 – $115,920.00
Benefits Citi offers competitive employee benefits, including medical, dental & vision coverage; 401(k); life, accident, and disability insurance; wellness programs; and paid time off packages (vacation, sick leave, holidays). For additional information about Citi employee benefits, please visit
citibenefits.com
(offerings may vary by jurisdiction, job level, and date of hire).
Equal Employment 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 are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity, please
access accessibility resources . View Citi’s EEO policy statement and the Know Your Rights poster.
#J-18808-Ljbffr
Credit Risk Associate
role at
Citi
Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM). ICM’s objective is to provide integrated end‑to‑end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise.
Key Responsibilities
Assess the credit and financial strength of Citi’s most complex large corporate, public sector, and financial institution clients by performing fundamental credit analysis of counterparties using quantitative and qualitative factors.
Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORRs) based on independent assessment and judgment; ensure credit extensions remain within Citi’s risk appetite.
Continuously monitor the covered portfolio, follow industry trends, and escort potential credit issues to team leads, senior managers, and business partners.
Review and provide recommendations on risk ratings across sectors.
Partner with regional and industry stakeholders to implement 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, with a deep understanding of key financial components.
Forms independent opinions on credit and recognizes emerging risks.
Advanced knowledge of financial statements and GAAP accounting.
Sets the standard for industry research capabilities.
Solid understanding of Credit Policy and procedures; proactively reviews Citi policies.
Identifies potential risk issues that need escalation and escalates them promptly.
Leadership
Displays a deep commitment and positive attitude to Citi and colleagues.
Embraces the need for change and appreciates its benefits with natural curiosity.
Demonstrates professionalism in meetings, asks questions, and challenges ideas.
Proven culture carrier.
Interpersonal
Highly effective interpersonal skills, building relationships and exerting influence without direct authority.
Solid organizational skills, working under pressure and managing time and priorities.
Exceptional written and verbal communication skills.
Technical
Advanced Microsoft Office (Word, Excel, PowerPoint) skills.
Advanced experience with internal policies, standards, procedures, templates, and financial modeling.
Qualifications
BA/BSc in Finance or Accounting or a higher degree in Business (MBA), or any related subject.
Financial services experience, including 3–5 years of credit experience in banking or credit risk management.
Job Details 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: $77,280.00 – $115,920.00
Benefits Citi offers competitive employee benefits, including medical, dental & vision coverage; 401(k); life, accident, and disability insurance; wellness programs; and paid time off packages (vacation, sick leave, holidays). For additional information about Citi employee benefits, please visit
citibenefits.com
(offerings may vary by jurisdiction, job level, and date of hire).
Equal Employment 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 are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity, please
access accessibility resources . View Citi’s EEO policy statement and the Know Your Rights poster.
#J-18808-Ljbffr