Senior Credit Risk Analyst - Business & Professional Services (Assistant Vice Pr
Citigroup Inc., Irving, TX, United States
Citi’s Commercial Lending Management (CLM) organization is a critical, in‑business credit function within Citi’s U.S. Commercial Bank. CLM partners closely with Relationship Managers and Independent Risk to deliver disciplined credit underwriting, portfolio oversight, and client‑focused lending solutions for commercial clients across North America.
We are seeking a
Senior Credit Risk Analyst (AVP)
to join the Business & Professional Services team in
Irving, Texas or Chicago, IL , one of Citi’s primary U.S. hubs for commercial credit and risk. This role supports the end‑to‑end lending lifecycle, working closely with Credit Officers and relationship teams to analyze, structure, and monitor credit exposures within a diversified commercial portfolio.
This position is well suited for experienced credit professionals looking to expand underwriting responsibility, gain greater portfolio exposure, and progress toward senior credit leadership roles within a global financial institution.
Role Overview
The Senior Credit Risk Analyst partners directly with a Credit Officer to support credit underwriting, transaction execution, and ongoing portfolio monitoring. The role combines detailed financial analysis with increasing judgment and ownership, while operating within Citi’s global credit standards and U.S. regulatory framework.
Key Responsibilities
Credit Underwriting & Analysis
Support the end‑to‑end lending process for new and existing commercial relationships
Prepare and maintain high‑quality credit analysis and underwriting materials to support approval decisions
Perform financial statement analysis, cash‑flow assessment, industry analysis, and transaction diligence
Support annual and quarterly credit reviews for the assigned portfolio
Portfolio Monitoring & Risk Management
Monitor portfolio performance, covenant compliance, and exposure levels
Identify emerging risks and escalate issues with recommended actions
Support accurate risk ratings, regulatory classifications, and early‑warning processes
Execution & Stakeholder Partnership
Facilitate amendments, renewals, and other credit requests in coordination with Credit Officers and Relationship Managers
Support the loan documentation process, partnering with internal teams and external legal counsel
Participate in internal and client discussions related to credit matters
Development & Continuous Improvement
Build expertise in Business & Professional Services industry drivers and credit risk considerations
Mentor junior analysts and support team skill development efforts
Contribute to process improvements that enhance efficiency and credit discipline
Qualifications & Experience
3+ years of experience
in commercial credit underwriting, credit analysis, portfolio management, or risk
Bachelor’s degree in Finance, Accounting, Economics, or a related field
Solid understanding of financial statements and core credit fundamentals
Strong written, verbal, and organizational skills
Ability to manage multiple priorities in a fast‑paced, deadline‑driven environment
Experience within a large or regional financial institution
Exposure to Business & Professional Services or similar commercial industries
Advanced degree or professional certification a plus, but not required
Primary Location Full Time Salary Range:
$96,400.00 – $144,600.00
In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. 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.
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.
#J-18808-Ljbffr
We are seeking a
Senior Credit Risk Analyst (AVP)
to join the Business & Professional Services team in
Irving, Texas or Chicago, IL , one of Citi’s primary U.S. hubs for commercial credit and risk. This role supports the end‑to‑end lending lifecycle, working closely with Credit Officers and relationship teams to analyze, structure, and monitor credit exposures within a diversified commercial portfolio.
This position is well suited for experienced credit professionals looking to expand underwriting responsibility, gain greater portfolio exposure, and progress toward senior credit leadership roles within a global financial institution.
Role Overview
The Senior Credit Risk Analyst partners directly with a Credit Officer to support credit underwriting, transaction execution, and ongoing portfolio monitoring. The role combines detailed financial analysis with increasing judgment and ownership, while operating within Citi’s global credit standards and U.S. regulatory framework.
Key Responsibilities
Credit Underwriting & Analysis
Support the end‑to‑end lending process for new and existing commercial relationships
Prepare and maintain high‑quality credit analysis and underwriting materials to support approval decisions
Perform financial statement analysis, cash‑flow assessment, industry analysis, and transaction diligence
Support annual and quarterly credit reviews for the assigned portfolio
Portfolio Monitoring & Risk Management
Monitor portfolio performance, covenant compliance, and exposure levels
Identify emerging risks and escalate issues with recommended actions
Support accurate risk ratings, regulatory classifications, and early‑warning processes
Execution & Stakeholder Partnership
Facilitate amendments, renewals, and other credit requests in coordination with Credit Officers and Relationship Managers
Support the loan documentation process, partnering with internal teams and external legal counsel
Participate in internal and client discussions related to credit matters
Development & Continuous Improvement
Build expertise in Business & Professional Services industry drivers and credit risk considerations
Mentor junior analysts and support team skill development efforts
Contribute to process improvements that enhance efficiency and credit discipline
Qualifications & Experience
3+ years of experience
in commercial credit underwriting, credit analysis, portfolio management, or risk
Bachelor’s degree in Finance, Accounting, Economics, or a related field
Solid understanding of financial statements and core credit fundamentals
Strong written, verbal, and organizational skills
Ability to manage multiple priorities in a fast‑paced, deadline‑driven environment
Experience within a large or regional financial institution
Exposure to Business & Professional Services or similar commercial industries
Advanced degree or professional certification a plus, but not required
Primary Location Full Time Salary Range:
$96,400.00 – $144,600.00
In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. 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.
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.
#J-18808-Ljbffr