Credit Risk Analyst - Getzville

Citigroup; Getzville (NY); Hybrid; USD 77,000 - 116,000; Full time

Benefits offered by this job

Hybrid work model

Medical, dental & vision coverage

401(k)

Life, accident & disability insurance

Wellness programs

Paid time off

Job summary

Citigroup in Getzville, NY is seeking a Credit Risk Analyst to own credit risk analysis and underwriting for Banks & Brokers within Institutional Credit Management.

You will drive end-to-end underwriting, draft comprehensive credit memo packages, and perform quarterly reviews to monitor portfolio health. Hybrid work model with in-office and remote days supports a dynamic risk-focused career.

Qualifications

• 5–8 years of credit risk, underwriting or related financial analysis experience.
• Ability to interpret financing and product structures to support decisions.
• Strong skills in financial data interpretation and risk assessment.

Responsibilities

• Manage credit risk analysis and ongoing monitoring for Banks & Brokers portfolio.
• Draft Credit Approval Memo packages to support underwriting decisions.
• Produce annual and quarterly credit reviews to track performance.
• Conduct financial analysis, due diligence and projection modeling.
• Apply stress testing and risk rating methodologies for counterparty risk.
• Support ad-hoc reviews and risk assessments across portfolios/industries.
• Build relationships with Banking, Risk, Regulators, Internal Audit and control functions.
• Contribute to strategic initiatives within the Credit Underwriting organization.

Skills

Credit risk

Underwriting

Financial analysis

Risk management standards

Stakeholder collaboration

Communication

Bachelor's degree

Education

Bachelor's degree or equivalent practical experience

Tools

Stress testing

Job description

As a Credit Risk Analyst, you will own credit risk analysis and underwriting for a portfolio of North American Banks & Brokers relationships within Citi's Institutional Credit Management function. You will drive end-to-end credit underwriting, from early origination discussions through credit approval memo development, while partnering closely with Banking and Risk teams. This role offers the opportunity to shape credit decisions that protect and grow Citi's institutional client relationships.

Responsibilities

• Manage credit risk analysis and ongoing monitoring for a portfolio of Banks & Brokers relationships.
• Draft complete and accurate Credit Approval Memo packages to support underwriting decisions.
• Produce annual and quarterly credit reviews to track portfolio performance over time.
• Conduct financial analysis, due diligence, and projection modeling to assess credit quality.
• Apply stress testing and risk rating methodologies to evaluate counterparty risk.
• Support ad-hoc transaction reviews and portfolio or industry-level risk assessments.
• Build working relationships with Banking, Risk, Regulators, Internal Audit, and control functions.
• Contribute to strategic initiatives and projects within the Credit Underwriting organization.

Required Qualifications & Skills

• 5 to 8 years of relevant experience in credit risk, underwriting, or related financial analysis.
• Working knowledge of global credit risk management standards and practices.
• Ability to interpret financing and product structures to support credit decisions.
• Skill in assessing financial and industry data to form sound credit judgments.
• Capability to address risk asset and risk capital allocation questions alongside business stakeholders.
• Strong verbal and written communication skills, paired with active listening.
• Bachelor's degree or equivalent practical experience.

Beneficial Skills & Qualifications

• Familiarity with local market nuances, regulatory requirements, and competitor practices.
• Experience building partnerships across business segments, geographies, and risk functions.
• Demonstrated ability to influence and negotiate across different stakeholder groups.
• Comfort presenting findings and recommendations to audiences of varying sizes.

What We Offer

• Join a team where your credit judgment directly shapes decisions affecting Citi's institutional banking relationships across North America.
• Work in a hybrid model with 3 days in the office and 2 days working remotely.
• Gain exposure to a global network of Banking and Risk professionals across markets.
• Access structured learning and development resources to build deeper credit expertise.
• Benefit from programs supporting financial wellbeing and long-term planning.
• Receive support for family and personal commitments alongside your career.
• Build a career with clear progression paths within a global credit risk organization.

Job Family Group: Risk Management

Job Family: Credit Risk

Time Type: Full time

Primary Location: Getzville New York United States

Primary Location Full Time Salary Range: $77,280.00 - $115,920.00

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.

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.

Anticipated Posting Close Date: Oct 20, 2026

Automated Processing and AI We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi. Importantly, all our hiring pr