Wholesale Credit Risk Analyst - Officer

Wholesale Credit Risk Analyst - Officer Apply (opens in new window) Job Req Id: 26940103 Location(s): Mumbai, Maharashtra, India Job Type: On-Site/Resident Posted: Feb. 18, 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. The Underwriter 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. This role has responsibility for the portfolio of Large Corporates and the role reports directly to the Institutional Credit Management Underwriter Manager. In this role, you’re expected to : Assess the credit and financial strength of Citi’s most complex 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 Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to various partners Reviewing and providing recommendation on the risk raking across this sector Partnership with applicable regional and industry stakeholders in the implementation of credit assessment and monitoring standards for applicable portfolios Support Voice of the Employee (VOE) initiatives Travel (less than 10%) As a successful candidate, you’d ideally have the following skills and exposure : 1-3 years relevant experience Fundamental 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 basic knowledge of financial statements and GAAP accounting or similar governance relating to country of operation Displays basic industry research capabilities, including risk and key drivers Basic 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 Assists colleagues in identifying stretch opportunities to elevate individual and team performance Proven culture carrier Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority Microsoft Office (Word, Excel, and PowerPoint) skills Education : BA/BSc or higher degree in Business (MBA), or any other related subject 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. 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 (opens in new window) . View Citi’s EEO Policy Statement (opens in new window) and the Know Your Rights (opens in new window) poster. Apply (opens in new window) #J-18808-Ljbffr Citi