Credit Risk Senior Analyst

Overview

In this role you will contribute to Citi’s Institutional Credit Management by delivering rigorous credit analysis, underwriting, and ongoing monitoring for institutional clients in the Commodities sector. You will support front-office transactions with risk-mitigated structures and present reasoned greenlight proposals to the 2nd Line of Defense. You will work within Citi’s Wholesale Credit Risk framework to manage risk across loans, facilities, and derivatives. This is a chance to impact risk governance and portfolio performance in a global bank with a commodities focus.

Pay / Benefits

• hybrid working model
• generous holiday allowance starting at 27 days
• discretionary annual bonus
• private medical insurance
• Employee Assistance Program
• pension plan

Responsibilities

• Conduct fundamental credit analysis of counterparties in the Commodities sector using quantitative and qualitative factors
• Prepare Credit Approval Memos (CAMs) and assign risk ratings through independent assessment and due diligence
• Monitor portfolio risk continuously, tracking commodity price volatility and geopolitical risks
• Review and recommend risk ratings for the Commodities Counterparty portfolio
• Support senior Underwriters on new transactions, trade structures, exposures, and credit memos
• Aggregate client data for periodic portfolio reviews
• Escalate potential credit concerns in a timely manner

Key requirements

• Proven credit risk experience in Banking or Credit Risk Management with exposure to commodities markets and derivatives
• Strong analytical skills to assess liquidity, leverage, and cash flow under volatile conditions
• Independent credit opinion formation and understanding of derivative and physical commodity risks
• Advanced understanding of financial statements, GAAP, and financial spreading
• Experience with internal credit systems and financial modeling tools
• Excellent written and verbal communication with stakeholders at senior levels

• Relationship-building
• Influencing stakeholders at senior levels
• Organizational skills and prioritization under time pressure
• Advanced proficiency in Microsoft Office
• Financial modeling tools
• Financial statement analysis and financial spreading

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