Credit Risk Analyst - Getzville

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

Benefits offered by this job

Hybrid work model

Global network exposure

Learning & development resources

Job summary

Citi in Getzville, New York, seeks a Credit Risk Analyst to own credit risk analysis and underwriting for a portfolio of Banks & Brokers within Institutional Credit Management. You will drive end-to-end underwriting from origination discussions through credit memo development, partnering with Banking and Risk teams.

You will produce annual and quarterly credit reviews, perform financial analysis, stress testing, and build relationships across Banking, Risk, Regulators, and Internal Audit.

Qualifications

• 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.

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.

Skills

Credit risk analysis

Underwriting

Financial analysis

Risk management

Communication skills

Education

Bachelor's degree

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.

Salary: $77,280.00 - $115,920.00

Primary Location: Getzville New York United States

Time Type: Full time

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

Anticipated Posting Close Date: Oct 20, 2026

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