The Institutional Credit Management Risk Analysis Unit (IRAU) is an integral part of the Institutional Credit Management (“ICM”) Underwriting organization.  The IRAU’s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to ICM Risk and Banking, shared commitment to ensuring the safety and soundness of wholesale lending across ICM.

ICM Credit Senior Analysts are responsible for a portfolio of ICM client relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. Credit Risk Senior Analysts are expected to use their industry and financial knowledge to perform credit assessments, using independent judgment and discretion on aspects relating to credit risk ratings, regulatory classification, and credit recommendation to Second Line of Defense. That includes the production of Annual Reviews, Quarterly Reviews, and Transactions memos.

A Credit Senior Analyst is expected to have a strong understanding of credit, of Citi´s internal policies and procedures, and be knowledgeable about the industry fundamentals that portfolio belongs to. They might need some supervision from their Credit Team Lead on more sensitive and complex credit situations and be able to communicate with ICM Risk and Banking partners, with minimal supervision of the Team Lead.

Key Responsibilities:

• Assess the credit and financial strength of Citi’s Large Corporate, Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.
• Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within risk appetite.
• Perform Transaction memos approvals in a timely manner according to Business priority. Discretionary recommendation should be documented in the memo on the proposal.
• Using discretion and independent judgement, perform the analysis to make recommendations to Second Line of Defense on risk ratings, classifications and proposal.
• Continuously monitor the covered portfolio, following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Team Leads, ICM Risk and Banking partners.
• Partner with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
• Support ICM Voice of the Employee (VOE) initiatives.

Qualifications:

• Credit Underwriting: Financial Services experience including, 2-3 years of credit experience in banking or credit management.

• Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile) 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.
• Be able to articulate orally and in writing credit recommendations for decision-makers using judgement and knowledge of the credit analysis. 

• Strong interpersonal skills, with the ability to build relationships.
• Strong organizational skills with ability and willingness to work under pressure and manage time and priorities effectively.
• Solid written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of various levels of seniority.

• Proficient Microsoft Office (Word, Excel, and PowerPoint) skills
• Progressive experience with the internal ICM Templates and with financial modeling

Education:

• BA/BSc in Finance or Accounting.

------------------------------------------------------

Job Family Group:

Risk Management

------------------------------------------------------

Job Family:

Credit Decisions

------------------------------------------------------

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, 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.

------------------------------------------------------

Anticipated Posting Close Date:

Jan 21, 2025

------------------------------------------------------

Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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 the "EEO is the Law" poster. View the EEO is the Law Supplement.

View the EEO Policy Statement.

View the Pay Transparency Posting