Credit Underwriting Analyst

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 Credit Analysts are responsible for a portfolio of relationships, owning the production of credit risk analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. This production includes annual reviews, quarterly reviews, and support to ad-hoc transactions and other credit deliverables. A Credit Analyst is expected to have a strong understanding of credit risk, of Cit’s internal policies and procedures, and of being relatively knowledgeable about the industry fundamentals that portfolio belongs to. They should need some supervision from Jr. and Sr. senior UWs, especially on more sensitive and complex credit situations, and be able to carry thoughtful conversations with partners. This role has responsibility for the NAM Diverse Financials portfolio inclusive of Non-Bank Financial Institutions (NBFI), FinTechs and Financial Market Infrastructure (FMI) counterparties. Key Responsibilities Assess the credit and financial strength of Citi’s Large 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 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%) 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 2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software. Degree in Quantitative Fields such as Economics, Engineering, Operations Research, Business Finance, or Mathematics. Previous experience in credit risk management or equivalent training and experience preferably in the financial services industry. Ability to apply credit and risk principles toward business goals. Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency. Must be highly organized and able to work in a fast‑paced environment managing multiple projects and possess effective. Interpersonal, organizational and analytic skills. Education Bachelor's/University degree or equivalent experience Primary Location Full Time Salary Range: $61,120.00 - $85,280.00 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 Dec 24, 2025 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. View Citi’s EEO Policy Statement and the Know Your Rights poster. #J-18808-Ljbffr Citi