Credit Analyst

The Credit Analyst 2 is responsible for a portfolio of relationships, owning the credit risk analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of annual reviews, quarterly reviews, and the support to ad-hoc transactions and portfolio & industry reviews and stress testing.

The analyst is expected to have a strong understanding of credit risk, of Citi's internal policies and procedures, and of being relatively knowledgeable about the industry fundamentals that the portfolio belongs to. They should receive some supervision from their respective Credit Risk Team Lead, especially on more sensitive and complex credit situations, and be able to carry thoughtful conversations with partners, with some intervention of the underwriting manager.

This role has responsibility for the NAM Energy portfolio and reports directly to the NAM Energy Underwriting Manager.

• Assess the credit and financial strength of Citi’s Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counter parties using both quantitative and qualitative factors.
• Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR) of Citi’s Counter parties based on independent assessment and judgment; 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%).

• 2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.
• Extensive knowledge of Generally Accepted Accounting Principles (GAAP) accounting, financial regulations, financial products, and credit analysis.

• Bachelor’s/University degree or equivalent experience.

Location:

Irving, Texas, United States.
Time Type:
Full time.
Salary Range: $76,000 - $106,000 (annual).

Benefits include medical, dental & vision coverage; 401(k); life, accident, and disability insurance; wellness programs; paid time off packages; and more. Eligible employees may also receive discretionary and formulaic incentive and retention awards. For additional information regarding Citi employee benefits, please visit the company website.

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.

Anticipated Posting Close Date:
Feb 25, 2026.