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ICM Credit Risk Analyst – Financial Institutions
The ICM Credit Risk Analyst is responsible for supporting the credit risk management of a portfolio of Financial Institution relationships within Institutional Credit Management (ICM). The role involves conducting detailed credit analysis, monitoring portfolio performance, preparing credit approval documentation, and partnering with business and risk stakeholders to support sound credit decisions in line with Citi's risk appetite and policies.
Key Responsibilities
- Perform fundamental credit analysis of Financial Institution counterparties using quantitative and qualitative assessments, including evaluation of financial performance, asset quality, liquidity, capitalization, funding profile, and business strategy.
- Prepare Annual Reviews, Quarterly Reviews, and other credit approval memoranda, ensuring timely and high-quality credit documentation.
- Support the assessment and recommendation of Obligor Risk Ratings through independent analysis and application of Citi's credit risk framework.
- Conduct ongoing monitoring of assigned relationships, identifying emerging risks, industry developments, rating triggers, and key risk indicators.
- Analyze financial statements, regulatory filings, earnings releases, and market developments to evaluate changes in client creditworthiness.
- Assist with portfolio reviews, stress testing exercises, industry studies, and regulatory-driven risk initiatives.
- Escalate potential credit concerns and deterioration trends to senior team members in a timely manner.
- Partner with 1LoD and 2LoD stakeholders to obtain information required for credit assessments and portfolio monitoring.
- Ensure compliance with Citi's credit policies, procedures, quality standards, and regulatory requirements.
- Support process improvement initiatives and contribute to a strong risk and control culture.
Knowledge & Experience
- 4 to 6 years of experience in Credit Risk, Financial Analysis, Audit, or related financial services roles.
- Understanding of financial statement analysis, ratio analysis, and credit risk fundamentals.
- Knowledge of banking and financial institution business models is preferred.
- Familiarity with wholesale credit processes and risk rating methodologies.
- Ability to identify key drivers of credit risk and emerging industry trends.
- Experience preparing presentations, financial analyses, and credit-related documentation.
Skills & Competencies
- Strong analytical and problem-solving skills.
- Ability to interpret financial statements and evaluate credit risk.
- Effective written and verbal communication skills.
- Strong attention to detail and organizational skills.
- Ability to manage multiple priorities and meet deadlines.
- Proactive and collaborative approach to working with cross-functional teams.
- Proficiency in Microsoft Office (Excel, PowerPoint, and Word) and familiarity with AI-powered productivity and analytics tools to support credit analysis, portfolio monitoring, and presentation development.
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, Business, or a related field.
- Progress toward CFA, FRM, MBA, or other relevant professional qualifications is an advantage.
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Risk Management
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Credit Risk
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Full time
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Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.
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For complementary skills, please see above and/or contact the recruiter.
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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.
