Corporate Credit Analysis - Australia - Assistant Vice President

Citi; New York (NY); Hybrid; USD 19,000 - 33,000; Full time

Job summary

Citi Australia is seeking an experienced Credit Officer to manage a portfolio of institutional clients. The role focuses on credit risk analysis, underwriting, and preparing CAM packages for approval, with stakeholder collaboration across risk, product, and relationship management.

The ideal candidate has 6–10 years in credit risk, strong analytical skills, and the ability to discuss risk/return trade-offs with multiple parties. Bachelor's degree required.

Qualifications

• Bachelor’s degree or equivalent experience required.
• 6–10 years relevant experience in credit risk or underwriting.
• Strong ethics, integrity, and communication skills.

Responsibilities

• Underwrite and analyze credit risk for institutional clients.
• Prepare Credit Approval Memo packages with complete analysis.
• Perform financial due diligence, projection modeling, and stress testing.
• Support relationships with Risk, Regulators, and control functions.

Skills

Analytical Thinking

Credible Challenge

Financial Analysis

Governance

Policy

Procedure

Regulation

Risk Management Lifecycle

Education

Bachelor’s/University degree or equivalent experience

Job description

Corporate Credit Analysis - Australia - Assistant Vice President

Job Req Id:

26998604

Location(s):

Mumbai, Maharashtra, India

Job Type:

Hybrid

Posted:

Oct. 06, 2026

Discover your future at Citi

Working at Citi is far more than just a job. A career with us means joining a team of approximately 219,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism.

Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi’s institutional clients. ICM’s objective is to provide integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise.

Within ICM, the Credit Underwriting function (“ICM UW” or “UW”) provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking, Services, and Markets relationships.

The Credit Officer (Underwriter/ Analyst) will be responsible for a portfolio of Citi Commercial Bank client relationships based in Australia across a range of industries, 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 of ad-hoc transactions and portfolio & industry reviews and stress testing, in partnership with client relationship managers, product partners and risk. This role reports to the ICM CLM (Commercial Lending Management) Australia Country Head.

In this role, you’re expected to:

Executes, aligned with global and regional strategies, all responsibilities regarding underwriting, including, but not limited to:

• Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions to development of credit approval memos

• Drafting of Credit Approval Memo (CAM) packages including but not limited to ensuring they are complete and accurate

• Conducting initial financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis

• Support relationships with key stakeholders in Banking and Risk and with key Regulators, Internal Audit, and control functions

• Support ICM Underwriting organization on strategic initiatives /projects as required

Risk Management Experience:

• Experience in and exposure to global credit risk management standards

• Ability to understand financing and product structures

• Ability to assess financial and industry data to conduct credit assessment

• Able to discuss and address issues associated with the allocation of risk assets and risk capital in partnership with stakeholders and product organizations.

Client Relationships / Business Partnership:

• Ability to understand nuances of local markets, local regulation, and the capabilities and practices of competitors

• Navigates organizational complexity and breaks silos

• Creates and sustains a network of strong partnerships with the business in all segments & geographies and other risk functions

• Provides well-reasoned, balanced assessments of risk/return trade-offs associated with transactions and client relationships

As a successful candidate, you’d ideally have the following skills and exposure:

• 6-10 years relevant experience

• Experience in effectively engaging with various functions

• Demonstrates strong ethics and integrity

• Ability to understand the ‘big picture’ in a complex environment

• Strong verbal & written communication skills. Active listening skills

• Demonstrated influencing and negotiating ability, resolve conflicts amongst various constituencies

• Proficient presentation skills – adept at presenting effectively to audiences of various sizes and various constituencies

• Bachelor’s/University degree or equivalent experience

Education:

• Bachelor’s/University degree or equivalent experience

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

Job Family Group:

Risk Management

Job Family:

Credit Risk

Time Type:

Full time

Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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