This is an opportunity to join Citi's independent Credit Risk Review team — a function that delivers direct assurance to the Board of Directors, senior risk leadership, and global regulators on the effectiveness of credit risk management across the firm's global portfolio. As a Senior Credit Risk Analyst, you will conduct rigorous credit analysis, monitor portfolio risk trends, and apply data analytics and AI-enabled tools to surface emerging risks before they materialise. You will work closely with Lead Reviewers on high-impact credit reviews, gaining broad exposure across corporate and financial institution portfolios at one of the world's largest global banks. <h2>Responsibilities</h2><ul><li>Assess the accuracy and integrity of credit analyses, exposure calculations, risk rating methodologies, and asset classifications across monitored portfolios to ensure alignment with institutional standards.</li><li>Partner with Lead Reviewers to produce comprehensive Credit Assessment Documents, integrating quantitative data analytics to substantiate portfolio conclusions or flag thematic risk concentrations.</li><li>Analyse financial statements and review underwriting processes, approved credit memos, and covenant compliance to track credit quality across the full lifecycle from origination through to workout and remediation.</li><li>Apply AI and machine learning tools to streamline data extraction, identify risk patterns across diverse portfolios, and proactively surface emerging credit risk indicators.</li><li>Translate qualitative risk observations into data-backed evidence, enabling Lead Reviewers to draw clear and defensible conclusions on portfolio health.</li><li>Synthesise complex analytical findings into clear, concise presentations for senior risk management and internal governance committees.</li><li>Contribute to regulatory examination materials and reporting deliverables, ensuring outputs meet the standards expected by global regulators and internal oversight bodies.</li></ul> <h2>Required qualifications & skills</h2><ul><li>A minimum of 3–6 years of credit analysis or credit risk management experience within a global financial institution or banking environment, with candidates holding 3 or more years of experience equally welcomed.</li><li>Formal credit training or a thorough understanding of financial accounting standards and credit analysis methodologies.</li><li>Demonstrated ability to analyse financial statements and evaluate the creditworthiness of corporate or institutional borrowers.</li><li>High proficiency in Microsoft Office, particularly Excel, PowerPoint, and Word, with a strong aptitude for AI-enabled productivity and data analytics tools.</li><li>Exceptional organisational and time-management skills, with the ability to manage multiple concurrent deliverables and maintain meticulous attention to detail.</li><li>Clear and effective written and verbal communication skills, with the ability to present complex credit risk concepts to varied levels of management.</li><li>A bachelor's degree in Economics, Finance, Accounting, or a related quantitative discipline.</li></ul> <h2>Beneficial skills & qualifications</h2><ul><li>Prior experience specifically assessing the creditworthiness and financial strength of corporates and financial institutions.</li><li>Working knowledge of Python applied to data extraction, analysis, or automation in a financial or risk context.</li><li>An advanced degree such as an MBA or MS in Finance, or a professional qualification such as CFA, FRM, or CPA.</li></ul> <h2>What we offer</h2> Joining Citi's Credit Risk Review team means working at the centre of independent risk oversight for one of the world's most influential financial institutions. You will gain hands-on exposure to complex credit portfolios spanning corporates and financial institutions globally, develop your analytical capabilities through the application of AI and data-driven tools, and build a career with real influence on credit risk governance at the highest levels of the firm.<ul><li>A hybrid working arrangement with 3 days in the office and 2 days working remotely, giving you structure and flexibility in equal measure.</li><li>Direct exposure to senior risk leadership, board-level reporting, and regulatory engagement — experience that accelerates career development in credit risk and independent review functions.</li><li>The opportunity to work with emerging AI and machine learning tools applied to real credit risk challenges, broadening your technical skillset in a regulated environment.</li><li>Access to Citi's global learning and professional development programmes, supporting continuous growth in credit analysis, risk management, and data analytics.</li><li>A collaborative, performance-driven environment where your analytical contributions directly inform risk decisions at a global scale.</li><li>Comprehensive wellbeing and financial benefits in line with Citi's employee support programmes.</li></ul> Apply now to bring your credit risk expertise to a team that shapes how one of the world's leading banks identifies, monitors, and mitigates risk at a global scale. #LI-VR2------------------------------------------------------<h2>Job Family Group: </h2>Risk Management------------------------------------------------------<h2>Job Family:</h2>Credit Review Risk Management------------------------------------------------------<h2>Time Type:</h2>Full time------------------------------------------------------<h2>Most Relevant Skills </h2>Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.------------------------------------------------------<h2>Other Relevant Skills </h2>For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------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 <a href="https://www.citigroup.com/citi/accessibility/application-accessibility.htm" target="_blank">Accessibility at Citi</a>. View Citi’s <a href="https://www.citigroup.com/global/eeo-aa-policy" target="_blank">EEO Policy Statement</a> and the <a href="https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf" target="_blank">Know Your Rights</a> poster.

Senior Credit Analyst, AVP (Hybrid)

About This Role

Ready to Apply?