Senior Credit Risk Analyst - Business & Professional Services (Assistant Vice President)

Citi’s Commercial Lending Management (CLM) organization is a critical, in‑business credit function within Citi’s U.S. Commercial Bank. CLM partners closely with Relationship Managers and Independent Risk to deliver disciplined credit underwriting, portfolio oversight, and client‑focused lending solutions for commercial clients across North America. We are seeking a Senior Credit Risk Analyst (AVP) to join the Business & Professional Services team in Irving, Texas, or Chicago, IL – one of Citi’s primary U.S. hubs for commercial credit and risk. This role supports the end‑to‑end lending lifecycle, working closely with Credit Officers and relationship teams to analyze, structure, and monitor credit exposures within a diversified commercial portfolio. This position is well suited for experienced credit professionals looking to expand underwriting responsibility, gain greater portfolio exposure, and progress toward senior credit leadership roles within a global financial institution. Role Overview The Senior Credit Risk Analyst partners directly with a Credit Officer to support credit underwriting, transaction execution, and ongoing portfolio monitoring. The role combines detailed financial analysis with increasing judgment and ownership, while operating within Citi’s global credit standards and U.S. regulatory framework. Credit Underwriting & Analysis Support the end‑to‑end lending process for new and existing commercial relationships Prepare and maintain high‑quality credit analysis and underwriting materials to support approval decisions Perform financial statement analysis, cash‑flow assessment, industry analysis, and transaction diligence Support annual and quarterly credit reviews for the assigned portfolio Portfolio Monitoring & Risk Management Monitor portfolio performance, covenant compliance, and exposure levels Identify emerging risks and elevate issues with recommended actions Support accurate risk ratings, regulatory classifications, and early‑warning processes Execution & Stakeholder Partnership Facilitate amendments, renewals, and other credit requests in coordination with Credit Officers and Relationship Managers Support the loan documentation process, partnering with internal teams and external legal counsel Participate in internal and client discussions related to credit matters Development & Continuous Improvement Build expertise in Business & Professional Services industry drivers and credit risk considerations Mentor junior analysts and support team skill development efforts Contribute to process improvements that enhance efficiency and credit discipline Qualifications & Experience 3+ years of experience in commercial credit underwriting, credit analysis, portfolio management, or risk Bachelor’s degree in Finance, Accounting, Economics, or a related field Solid understanding of financial statements and core credit fundamentals Strong written, verbal, and organizational skills Ability to manage multiple priorities in a fast‑paced, deadline‑driven environment Experience within a large or regional financial institution Exposure to Business & Professional Services or similar commercial industries Advanced degree or professional certification a plus, but not required Benefits 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, and vision coverage 401(k) plan Life, accident, and disability insurance Wellness programs Paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays Salary and Location Location: Irving, Texas, United States (also available in Chicago, IL) Salary Range: $96,400.00 – $144,600.00 Equal Opportunity Employer 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. View Citi’s EEO Policy Statement and the Know Your Rights poster. #J-18808-Ljbffr