Institutional Credit Management Risk Analysis Unit (IRAUs) is an integral part of the Institutional Credit Management ("ICM") organization.  The IRAU's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to the Business and Risk's shared commitment to ensuring the safety and soundness of wholesale lending.

Risk Analysis Credit Associates are responsible for a portfolio of large corporate relationships, owning the Credit Risk Analysis for those relationships as well as the continuous monitoring of the portfolio. This includes the production of Transaction Memos, Annual Reviews, Quarterly Reviews, and supporting Portfolio & Industry Reviews and Stress Testing as well as ad-hoc request.

This role has responsibility for the portfolio of clients in a subset of Citi's Natural Resources (Power, Energy, Chemicals and Commodities) vertical. The role reports directly to the ICM Risk Analysis (IRAU) Credit Risk Team Lead.

Key Responsibilities: 

• Assess the credit and financial strength of Citi’s clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
• Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite
• Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICM Risk and Business partners
• Reviewing and providing recommendation on the risk raking across this sector
• Partnership with applicable industry stakeholders in the Business and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
• Support Risk Analysis Voice of the Employee (VOE) initiatives

Qualifications:

• Demonstrable financial services experience, including 3-5 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
• Solid knowledge of Wholesale Credit Processes
• Strong analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks
• Experience in preparing presentations for seniors
• Experience in Quality Assurance and Quality Control
• Well-developed interpersonal skills, with the ability to build relationships and exert influence with and without direct authority
• Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
• Clear written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
• Good Microsoft Office (Word, Excel, and PowerPoint) skills

Education:

• BA/BSc or higher degree in Business (MBA), or any other related subject

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

• Portfolio Management experience thorough account reviews, file documentation and meeting portfolio/pipeline management goals.
• Experience writing Credit memos a plus
• Foundational knowledge in analyzing financial statements, credit histories and other data to make informed lending decisions.
• Experience analyzing corporate credit financial statements a plus
• Understanding of corporate finance and loan markets

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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:

Houston Texas United States

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Primary Location Full Time Salary Range:

$96,400.00 - $144,600.00

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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Anticipated Posting Close Date:

Jan 17, 2025

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Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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.

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