This role is focused on reviewing, challenging and approving Financial Risk Assessments and Credit Approval Memos, and monitoring the portfolio to identify potential deteriorations in a third party’s financial performance and ability to perform their contractual obligations to Citi. As a member of the Third Party Credit Risk Group (TPCRG), the position is a part of the Global Commercial Risk function within Business & International Risk (BIR). The function owns the Global Third Party Credit and Performance Risk Policy and establishes MIS & Reporting for contingent exposures through various types of third party relationships, such as suppliers, partners, alliances and joint ventures for Citigroup globally. This role manages and mitigates potential losses, safeguarding the company's financial stability and supporting sustainable business growth.

Responsibilities:

• Provide review challenge and approval of Credit and Financial Performance Risk assessments of both prospective and existing third-party relationships, including analyzing companies, industries, financial viability, Citi's contingent risks and contract protections.
• Conduct annual and/or quarterly reviews of Third Parties involved in critical activities for Citi.
• Work with Citi Business units to establish effective action plans and contract language that mitigate Citi's risk.
• Assess quality of assigned portfolios, including identification and evaluation of emerging risks.
• Use Citi’s proprietary systems & tools including Debt Rating Model (DRM), CitiRisk Financial, and Optima.
• Structure third party agreements and negotiate transactions.
• Provide autonomous assessment of the accuracy and appropriateness of risk ratings and classifications of the assigned portfolios.
• Demonstrate Quality Assurance activities as Subject Matter Expert

Qualifications:

• Experience in credit analysis of Financial Institutions is strongly preferred
• 6+ years of work experience, preferably in financial and/or credit analysis
• Third party management experience would be a plus
• Experience in overseeing and independently managing projects related to credit approval and risk management.
• Proficiency in analyzing complex data, prioritizing critical information, and making informed decisions.
• Experience with interacting with senior management, regulators, internal and external audit.
• Proven knowledge of credit risk measures and basic accounting
• Experience with internal risk / finance reporting systems  (Optima, CitiRisk), system flows, data attributes would be a plus
• Ability to analyze data and present conclusions
• Excellent interpersonal and communication skills, including the ability to articulate ideas clearly and adapt communication styles to suit different audiences.
• Ability to prioritize and remain organized in a fast-paced environment
• Good team player and excellent work ethics

Education:

• Bachelor’s/University degree, Master’s degree preferred

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Job Family Group:

Risk Management

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Job Family:

Credit Decisions

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Time Type:

Full time

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Primary Location:

Jacksonville Florida United States

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Primary Location Full Time Salary Range:

$103,920.00 - $155,880.00

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.

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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.

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Other Relevant Skills

Credible Challenge, Data Analysis, Laws and Regulations, Management Reporting, Referral and Escalation, Risk Remediation.

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Anticipated Posting Close Date:

Sep 11, 2025

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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.

 

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