Credit Analyst 2

Citi is looking for a Credit Risk Analyst to join a team at the heart of financial risk management — where your analytical work directly shapes lending decisions and protects client relationships. In this role, you will assess the financial health of borrowing clients, identify emerging risk, and support the Underwriting team with the insights they need to make sound credit decisions. Your contributions will have a direct and measurable impact on the quality of Citi's credit portfolio and the strength of its client partnerships.

## Responsibilities

• Analyze client financial statements, business trends, and key indicators to deliver clear, data-driven assessments for Underwriting review.
• Monitor credit risk across new and existing borrowing relationships, including tracking financial covenants and borrowing base compliance.
• Perform financial statement spreads and establish customer records through Citi's credit systems to support accurate portfolio management.
• Identify early warning signals of potential client risk and escalate findings in a timely and structured manner.
• Conduct periodic financial reviews to ensure borrowing relationships remain aligned with agreed terms and credit appetite.
• Support client site visits alongside the Underwriting Manager to develop a deeper understanding of borrower operations and risk profile.
• Ensure all credit activities comply with Citi's policies and regulatory standards, maintaining the integrity required by internal and external audit processes.

## Required qualifications & skills

• 2–5 years of experience in credit analysis, asset management, or a financial institution with a focus on credit risk.
• Advanced proficiency in English, both written and spoken; CV must be submitted in English.
• Demonstrated ability to analyze financial data, interpret results, and translate findings into clear, actionable recommendations.
• Bachelor's degree or equivalent experience in finance, economics, or a related field.
• Skilled in gathering, structuring, and preparing data for analysis, including comparing program outcomes against expected results and developing evaluation criteria.
• Strong attention to detail when assessing financial information, with the ability to communicate complex findings clearly to stakeholders.

## Beneficial skills & qualifications

• Familiarity with financial products such as Derivatives, FX Forwards, Repos, Securities Lending, and Bonds Trading, including their legal and operational frameworks.
• Knowledge of the funds and pension funds industries, including investment strategies and regulatory considerations.
• Exposure to risk management frameworks and regulatory environments within financial services.

## What we offer

At Citi, we invest in our people as much as we invest in our clients. As a Credit Risk Analyst, you will join a collaborative team where your work is valued, your development is supported, and you have the flexibility to balance your professional and personal commitments.

• Hybrid working model — spend 3 days in the office and 2 days working remotely, giving you meaningful in-person collaboration with the flexibility to manage your time effectively.
• Access to learning and development resources that support your growth in credit risk and financial analysis, with clear pathways to advance your career at Citi.
• Work alongside experienced underwriting and risk professionals, gaining exposure to complex credit portfolios and real-world decision-making at a global financial institution.
• A collaborative and inclusive team culture where diverse perspectives are encouraged and your analytical contributions make a direct impact on business outcomes.
• Wellbeing and work-life balance support, including programmes designed to help you thrive both inside and outside of work.
• Competitive financial benefits and a rewards package reflective of your skills and experience.

Apply today and take the next step in your credit risk career with one of the world's leading global fin

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## Job Family Group:

Risk Management

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## Job Family:

Credit Risk

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## Time Type:

Full time

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## Most Relevant Skills

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

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## Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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