Citibank is seeking a motivated and detail-focused Credit Risk Analyst to join its dynamic Risk Management team. In this role, you will be responsible for evaluating credit exposures, analyzing financial risk factors, monitoring portfolio performance, and supporting strategic risk management initiatives across a broad range of banking and lending products.

As a Credit Risk Analyst, you will play a critical role in assessing borrower creditworthiness, reviewing financial data, and providing recommendations that contribute to informed lending decisions. This position offers valuable exposure to consumer banking, commercial lending, corporate finance, and enterprise risk management within one of the world’s leading financial institutions.

The ideal candidate will possess strong analytical capabilities, financial acumen, and the ability to interpret complex data. You will collaborate with cross-functional teams, including lending professionals, portfolio managers, compliance specialists, and senior stakeholders, to help maintain a balanced and profitable credit portfolio.

Key Responsibilities

• Review financial statements, credit reports, and borrower documentation to assess risk exposure.
• Evaluate customer creditworthiness and identify potential lending risks.
• Monitor loan portfolios and track overall portfolio performance.
• Prepare comprehensive credit risk assessments and management reports.
• Perform financial modeling, forecasting, and scenario analysis.
• Support credit approval, review, and risk evaluation processes.
• Ensure adherence to regulatory requirements and internal risk policies.
• Identify emerging trends and potential risks across lending portfolios.
• Partner with business units to strengthen risk controls and mitigation strategies.
• Present findings, insights, and recommendations to management and stakeholders.

Required Qualifications

• Bachelor’s degree in Finance, Economics, Accounting, Statistics, Mathematics, or a related discipline.
• Strong analytical, quantitative, and problem-solving abilities.
• Experience analyzing financial statements and credit-related information.
• Advanced proficiency in Microsoft Excel and financial analysis tools.
• Excellent written, verbal, and presentation skills.
• Strong organizational abilities with exceptional attention to detail.
• Ability to prioritize multiple projects in a fast-paced environment.
• Sound judgment and decision-making capabilities.

Preferred Qualifications

• Previous experience in banking, lending, risk management, or financial services.
• Understanding of credit risk frameworks, portfolio management, and lending practices.
• Experience using SQL, Power BI, Tableau, or other data analytics platforms.
• Knowledge of financial modeling, forecasting, and risk assessment methodologies.
• Professional certifications such as CFA, FRM, or progress toward obtaining certification.

Benefits

• Competitive compensation package with annual performance-based incentives.
• Comprehensive medical, dental, and vision insurance plans.
• 401(k) retirement savings program.
• Generous paid time off and company-recognized holidays.
• Professional development, training, and certification support.
• Opportunities for career growth and internal advancement.
• Employee wellness and assistance programs.
• Hybrid work arrangements and flexible working options.

Why Join Citibank?

Citibank is a globally recognized financial institution serving individuals, businesses, and organizations across numerous markets worldwide. Employees have the opportunity to work on complex financial challenges, gain international exposure, and contribute to innovative risk management solutions that support business growth and stability.

By joining Citibank, you will become part of a collaborative and inclusive environment that values professional development, continuous learning, and long-term career progression. The organization provides access to industry-leading resources, experienced mentors, and opportunities to make a meaningful impact within the financial services sector.

Equal Opportunity Employer

Citibank is committed to fostering a diverse and inclusive workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, age, disability, veteran status, or any other status protected by applicable laws and regulations.