ICM Credit Risk Intermediate Analyst (Real Money Funds)

Citi; Getzville (NY); On-site; USD 61,000 - 85,000; Full time

Job summary

Citi in Getzville, NY seeks an experienced credit professional to assess fund counterparty risk and support underwriting. You will prepare memos, assign risk ratings, monitor exposure, and coordinate with BCMA, 2LoD and regional teams to keep risk within appetite.

You will analyze financial statements, apply Citi policies, and communicate recommendations for senior decision-makers while traveling occasionally to support risk initiatives.

Qualifications

• BA/BSc in Finance or Accounting or higher degree in Business.
• 2-5 years previous experience in a financial institution with a focus on credit analysis.
• Strong knowledge of Wholesale Credit Processes and ICM risk analysis.

Responsibilities

• Assess credit and financial strength of Citi’s Real Money Funds Clients.
• Prepare Credit Analysis Write-up Memos and Final Obligor Risk Ratings.
• Continuously monitor the portfolio and escalate credit issues as needed.
• Review and recommend risk ratings across the Funds sector.
• Collaborate with Underwriting, 2LoD, and BCMA on credit standards.
• Support VOE initiatives and travel less than 10%.

Skills

Analytical Thinking

Credible Challenge

Financial Analysis

Governance

Policy & Procedure

Regulation

Risk Management Lifecycle

Interpersonal Skills

Education

BA/BSc in Finance or Accounting

MBA or related subject

2-5 years experience in financial institution

Tools

Microsoft Office

Financial modeling

Job description

Institutional Credit Management (ICM) is a critical component of Citi’s First Line of defense for wholesale and counterparty credit risk (CCR) management. ICM works with Independent Risk teams to ensure best-in-class risk and controls, and client responsiveness. Key responsibilities of the group include credit analysis, documentation, risk identification, exposure monitoring and stress testing. ICM coordinates with credit management groups across Markets as well as Banking, Capital Markets and Advisory (BCMA) to ensure full alignment on business and regulatory goals, as well as consistency and best practices.

Within ICM Counterparty Credit Risk (CCR), ICM Funds Underwriting is a global team responsible for measuring, monitoring, and controlling counterparty risk for Funds, covering Investment Advisors as Agent, and Pension Funds.

Key Responsibilities

• Assess the credit and financial strength of Citi’s Real Money Funds Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
• Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Funds Counterparties 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
• Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriting Team Leads, 2LoD Risk Partners and BCMA partners
• Review and provide recommendation on the risk rating across the Funds sector
• Partner with regional and industry stakeholders in Underwriting, 2LoD, 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%)

Knowledge/Experience

• Demonstrable financial services experience, including 2-3 years of credit experience in Banking, Credit Risk Management, or equivalent credit experience
• Strong knowledge of Wholesale Credit Processes and organizational awareness including ICM Risk Analysis (ICM) functions, covered portfolios/products, and processes
• Sound understanding of policies and procedures with the ability to execute change seamlessly
• Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks
• Solid and thorough knowledge of Citi´s systems
• Experience in preparing presentations for seniors
• Full awareness and adherence to the control environment including Quality Assurance and Quality Control

Skills/Competencies

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.

• Experience and familiarity with Real Money Funds and Pension Funds – Industry products and relevant CCR risk measures
• Intermediate 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
• Demonstrates considerable knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
• Displays robust industry research capabilities, including risk and key drivers
• Strong understanding of Credit Policy and procedures; proactively refers to resources as needed
• Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly
• Be able to articulate orally and in writing credit recommendations for decision-makers using judgement and knowledge of the credit analysis
• Display a deep commitment and positive attitude to Citi and colleagues
• Be reliable and eager to undertake more functions and responsibilities
• Embrace the need for change and appreciate its benefits with natural curiosity
• Demonstrate professionalism by being reliable, actively contributing in meetings by asking questions and challenging ideas
• Strong interpersonal skills, with the ability to build relationships
• Strong organizational skills with ability and willingness to work under pressure and manage time and priorities effectively
• Solid written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of various levels of seniority
• Proficient Microsoft Office (Word, Excel, and PowerPoint) skills
• Progressive experience with the internal ICM Templates and with financial modeling

Qualifications

BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject.

2-5 years previous experience in a financial institution with a focus on credit analysis.

Job Family Group: Risk Management

Job Family: Credit Decisions

Time Type: Full time

Primary Location: 580 CROSSPOINT PARKWAY GETZVILLE

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

Primary Location: Getzville New York United States

Primary Location Full Time Salary Range: $61,120.00 - $85,280.00

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: Sep 08, 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 processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

Illinois residents – AI Notice and Right

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