Strategic Credit Risk & Underwriting Analyst

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

Benefits offered by this job

Hybrid work model

Global risk network exposure

Job summary

Citigroup Inc. in Getzville, NY is seeking a Credit Risk Analyst to own credit risk analysis and underwriting for a North American Banks & Brokers portfolio within Institutional Credit Management. You will drive end-to-end underwriting and memo development, collaborating with Banking and Risk teams.

This role shapes credit decisions that protect Citi's institutional client relationships across North America. The position offers a hybrid work model with 3 days in the office and 2 remote.

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.

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

Analytical Thinking

Credible Challenge

Financial Analysis

Governance

Policy & Procedure

Risk Management

Regulation

Risk Management Lifecycle

Education

Bachelor's degree

Job description

Citigroup Inc. in Getzville, NY is seeking a Credit Risk Analyst to own credit risk analysis and underwriting for a North American Banks & Brokers portfolio within Institutional Credit Management. You will drive end-to-end underwriting and memo development, collaborating with Banking and Risk teams.

This role shapes credit decisions that protect Citi's institutional client relationships across North America. The position offers a hybrid work model with 3 days in the office and 2 remote.