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

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

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

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.

Key Responsibilities

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 escalate 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

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:

May 29, 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.