The Credit Risk Intmd Analyst is a developing professional role. Deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.

Key Responsibilities:

-Assess the credit and financial strength of Citi’s Large Corporate, Public Sector, and 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

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:

-Bachelor’s/University degree or equivalent experience

-Financial Services experience including 2-5 years of credit experience in banking or credit risk management

Job Family Group:

Risk Management

Job Family:

Credit Risk

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.

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 25, 2026

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