Job Background/Context Institutional Credit Management (ICM) is a critical component of Citi’s First Line of defense for wholesale and counterparty credit risk (CCR) management. ICM works with Independent Risk teams to ensure best-in-class risk and controls, and client responsiveness. Key responsibilities of the group include credit analysis, documentation, risk identification, exposure monitoring and stress testing. ICM coordinates with credit management groups across Markets as well as Banking, Capital Markets and Advisory (BCMA) to ensure full alignment on business and regulatory goals, as well as consistency and best practices. Within ICM Counterparty Credit Risk (CCR), ICM Funds Underwriting is a global team responsible for measuring, monitoring, and controlling counterparty risk for Funds, covering Asset Management Companies, Investment Advisors as Agent, and Pension Funds. **Key Responsibilities:** - Assess the credit and financial strength of Citi’s Real Money Funds 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 Funds 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 - Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriting Team Leads, 2LoD Risk Partners and BCMA partners - Review and provide recommendation on the risk rating across the Funds sector - Partner with regional and industry stakeholders in Underwriting, 2LoD, and BCMA in the implementation of credit assessment and monitoring standards for applicable portfolios - Support ICG Risk Analysis Voice of the Employee (VOE) initiatives - Travel (less than 10%) **Knowledge/Experience:** - Demonstrable financial services experience, including 2-3 years of credit experience in Banking, Credit Risk Management, or equivalent credit experience. - Strong knowledge of Wholesale Credit Processes and organizational awareness including ICM Risk Analysis (ICM) functions, covered portfolios/products, and processes. - Sound understanding of policies and procedures with the ability to execute change seamlessly. - Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks. - Solid and thorough knowledge of Citi´s systems - Experience in preparing presentations for seniors. - Full awareness and adherence to the control environment including Quality Assurance and Quality Control. **Skills/Competencies:** Strategic orientation to ensure the ICM Underwriting organization continues to be positioned as a thoughtful and proactive partner on driving best practices to support safety and soundness within ICM and Citi - Experience and familiarity with Real Money Funds, Asset Managers, Pension Funds – Industry products and relevant CCR risk measures. - 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.  - Display a deep commitment and positive attitude to Citi and colleagues. - Be reliable and eager to undertake more functions and responsibilities. - Embrace the need for change and appreciate its benefits with natural curiosity. - Demonstrate professionalism by being reliable, actively contributing in meetings by asking questions and challenging ideas. - 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 **Qualifications:** BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject. 2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software. ------------------------------------------------------ **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.------------------------------------------------------ **Other Relevant Skills ** For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------ **Anticipated Posting Close Date:** Feb 20, 2026------------------------------------------------------ *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](https://www.citigroup.com/citi/accessibility/application-accessibility.htm). View Citi’s [EEO Policy Statement](https://www.citigroup.com/global/eeo-aa-policy) and the [Know Your Rights](https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf) poster.