Credit Analyst

Key Responsibilities

• Assess the credit and financial strength of Citi’s Real Money Funds Clients by performing fundamental credit analysis of counter parties using both quantitative and qualitative factors.
• Complete Credit Analysis Write‑up Memos and Final Obligor Risk Ratings of Citi’s Funds Counter parties 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.
• Continuously monitor the covered portfolio, including following industry trends and impacts to key relationships, and escalating potential credit issues to Underwriting Team Leads, 2
  
  LoD Risk Partners and BCMA partners.
• Review and provide recommendations on the risk rating across the Funds sector.
• Partner with regional and industry stakeholders in Underwriting, 2
  
  LoD, and BCMA in the implementation of credit assessment and monitoring standards for applicable portfolios.
• Support ICG Risk Analysis Voice of the Employee (VOE) initiatives.
• Travel (less than 10%).

• Strategic orientation to ensure the ICM Underwriting organization continues to be positioned as a thoughtful and proactive partner on driving best practices to support safety and soundness within ICM and Citi.
• Fundamental analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues.
• Basic knowledge of financial statements and GAAP accounting or similar governance relating to country of operation.
• Basic industry research capabilities, including risk and key drivers.
• Basic understanding of Credit Policy and procedures; proactively refers to resources as needed.
• Identifies potential risk issues that need escalation and escalates them promptly.
• Articulates orally and in written credit recommendations for decision making using judgement and knowledge from the credit analysis.
• Displays a deep commitment and positive attitude to Citi and colleagues, being reliable and eager to do more.
• Embraces the need for change and appreciates its benefits with natural curiosity.
• Demonstrates professionalism by being reliable, actively contributing in meetings, asking questions and challenging ideas.
• Interpersonal skills with the ability to build relationships.
• Organizational skills with the ability and willingness to work under pressure and manage time and priorities effectively.
• Strong written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority.
• Microsoft Office (Word, Excel, and PowerPoint) skills.
• Knowledge of Financial Modeling Concepts.

• BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject.
• Other job‑related duties may be assigned as required.

Citi offers competitive employee benefits, including medical, dental and 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.

In addition to salary, Citi’s offerings may also include discretionary and formulaic incentive and retention awards. For additional information regarding Citi employee benefits, please visit  Available offerings may vary by jurisdiction, job level, and date of hire.

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. 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 w Citi’s EEO Policy Statement and the Know Your Rights poster.