The Credit Risk role is focused on analyzing the creditworthiness of individuals and entities, assigning risk ratings, recommending, or approving credit extensions or withdrawals, and providing ongoing monitoring of credit exposures. This role includes those with credit approval authority for portfolios requiring management for delinquency. Individuals within this role maintain a balance between risk and return, ensuring that credit policies are appropriate, and perform regular in-depth reviews of the credit portfolio. This role manages and mitigates potential credit losses, safeguarding the company's financial stability and supporting sustainable business growth.

Responsibilities: 

• Independently review and assess business problems, leveraging extensive knowledge of industry standards and practices to evaluate potential risks in assigned portfolios. Identify emerging threats and implement mitigation strategies.
• Analyze and suggest improvements in credit risk processes for assigned portfolio based on in-depth analysis and industry best practices. Ensure the appropriateness and completeness of credit risk components, validating their usage trends.
• Manage risk through various means, including spreading of client business, financial statement analysis, recognizing potential client risk early, periodic financial statement reviews, tracking financial covenants, and monitoring borrowing base credit facility compliance.
• Communicate any potential risks to senior management, providing regular updates about the status of their Reviews.

• Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.
• Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures.
• Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.
• Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization.
• Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda
• Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities.
• Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.
• Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness.
• Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements.
• Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals.
• Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult
• Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals.
• Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi’s clients and the community.
• Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development.
• Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities.
• Empathetically listens and understands others’ positions before acting on issues; works to amplify voices that are minimized in the workplace

• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of teams and create accountability with those who fail to maintain these standards

Qualifications: 

• 5-8 years of experience

•              Extensive professional experience in a similar role, demonstrating proficiency in credit approval, portfolio monitoring, and financial statement analysis.

•              Deep disciplinary knowledge within the field, integrated with subject matter and industry experience.

•              Advanced technical knowledge within a specific business area, including familiarity with credit risk processes, standards, and opportunities for improvement.

•              Commercial awareness and understanding of business operations and strategies, including experience in assessing business/risk staffing models.

•              Proven background in managing Corrective Action Plans related to credit risk reviews or business monitoring.

•              Advanced interpretation and analysis abilities related to financial statements and indicators.

•              Expertise in resolving complex business problems independently using analytical thinking and logical reasoning.

•              Strong communication skills to clearly convey complex information to a variety of audiences.

•              Proficiency in conducting comprehensive financial analysis, detecting potential risks, and initiating appropriate measures.

•              Ability to filter, prioritize, and validate complex and dynamic material.

•              Command of Customer Accounting Systems and Credit Platforms.

•              Experience in maintaining quality and consistency standards in Fundamental Credit Risk documents.

Education: 

Bachelor's/University degree or equivalent experience

This role is part of the Third Party Credit Risk Group which focuses on reviewing, challenging and approving Financial Risk Assessments and Credit Approval Memos, and monitoring the portfolio to identify potential deteriorations in a third party’s financial performance and ability to perform their contractual obligations to Citi. As a member of the Third Party Credit Risk Group (TPCRG), the position is a part of the Global Commercial Risk function within Business & International Risk (BIR). The function owns the Global Third Party Credit and Performance Risk Policy and manages and mitigates potential losses, safeguarding the company's financial stability and supporting sustainable business growth.

Responsibilities: 

• Provide review, challenge, and approval of Credit and Financial Performance Risk assessments of both prospective and existing third-party relationships, including analyzing companies, industries, financial viability, Citi's contingent risks and contract protections.
• Conduct annual and/or quarterly reviews of Third Parties involved in critical activities for Citi. Work with Citi Business units to establish effective action plans and contract language that mitigate Citi's risk.
• Execute appropriate controls for in-scope third party relationships for Citigroup globally.
• Assess quality of assigned portfolios, including identification and evaluation of emerging risks.
• Provide autonomous assessment of the accuracy and appropriateness of risk ratings and classifications of the assigned portfolios.

Qualifications: 

• 5+ years of work experience, preferably in financial and/or credit analysis
• Knowledge of credit risk measures and basic accounting
• Commercial credit experience, including analyzing corporate financial statements
• Ability to analyze complex data, prioritize critical information, make informed decisions and present conclusions  
• Excellent interpersonal and communication skills, including the ability to articulate ideas clearly and adapt communication styles to suit different audiences
• Ability to prioritize and remain organized in a fast-paced environment
• Good team player and excellent work ethics
• Third party management experience would be a plus
• Experience with interacting with senior management, regulators, internal and external audit would be a plus
• Experience with internal risk / finance reporting systems (Optima, CitiRisk), system flows, data attributes would be a plus

Education: 

Bachelor's/University degree or equivalent experience

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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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Primary Location:

Jacksonville Florida United States

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Primary Location Full Time Salary Range:

$87,280.00 - $130,920.00

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.

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Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

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

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Anticipated Posting Close Date:

Dec 17, 2025

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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.

 

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