Senior Credit Risk Analyst: Underwriting & Portfolio Growth

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

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.