Wholesale Credit Risk Intermediate Analyst - Officer

Wholesale Credit Risk Intermediate Analyst – Officer Apply (opens in new window) Job Req Id: 25925598 Location(s): Mumbai, Maharashtra, India Job Type: On-Site/Resident Posted: Mar. 17, 2026 Discover your future at Citi Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact. Job Overview Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At Citi , you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism. 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 UW mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration acting as a partner to Banking & International Risk and Corporate Banking to execute our shared commitment to ensuring the safety and soundness of wholesale lending across Client Organization. ICM Credit Risk Senior Analysts are responsible for a portfolio of relationships, owning the credit risk analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of annual reviews, quarterly reviews, and the support to ad-hoc transactions and portfolio & industry reviews and stress testing. A Credit Risk Senior 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 portfolio belongs to. They should need some supervision from their respective Credit Risk Team Lead, especially on more sensitive and complex credit situations, and be able to carry thoughtful conversations with partners, with some intervention of the respective Team Lead. This role has responsibility for the In this role, you’re expected to: 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 Support ICM Risk Analysis Voice of the Employee (VOE) initiatives Travel (less than 10%) As a successful candidate, you’d ideally have the following skills and exposure: 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 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 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 Proficient Microsoft Office (Word, Excel, and PowerPoint) skills Progressive experience with the internal Policies, Standards, Procedures, Templates and with financial modeling Financial Services experience including 3-6 years of credit experience in banking or credit risk management Education: Bachelor’s/University degree or equivalent experience This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Credit Risk ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ 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. ------------------------------------------------------ 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. 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