Credit Risk Senior Analyst

Overview

In this role you will contribute to Citi’s Institutional Credit Management by analyzing and underwriting credit risk for a commodity-focused portfolio. You will work with the commodities team to assess counterparties, monitor exposures, and support risk-informed front-office decisions. You’ll produce clear credit memos and updates that align with Citi’s risk appetite, while contributing to ongoing portfolio reviews. This is a chance to impact risk management in a global wholesale bank and shape credit outcomes for commodity-related clients.

Pay / Benefits

• Generous holiday allowance starting at 27 days plus bank holidays
• Discretionary annual performance bonus
• Private medical insurance
• Employee Assistance Program
• Pension Plan
• Paid Parental Leave

Responsibilities

• Conduct fundamental credit analysis of commodity sector counterparties using both quantitative data and qualitative factors
• Prepare Credit Approval Memos and assign risk ratings aligned with internal models and guidelines
• Continuously monitor the portfolio for price volatility and macro/geopolitical risks, escalating concerns as needed
• Review and recommend risk ratings across the commodities counterparty portfolio
• Support senior underwriters on new transactions, trade structures, exposures, and credit administration

Key requirements

• Strong analytical skills to evaluate liquidity, leverage, and cash flow under volatile commodity environments
• Ability to form independent credit opinions on derivative and physical trading risks
• Advanced understanding of financial statements, GAAP, and financial spreading
• Experience with industry research on commodity markets, regulatory factors, and counterparty risk
• Familiarity with Credit Policy and benchmarking transactions against internal standards
• Proactive risk identification and escalation
• Bachelor’s degree in Accounting, Finance, Economics, or related field
• Proven credit risk experience in Banking or Credit Risk Management, preferably with Commodities exposure and derivatives
• Proficiency in Microsoft Office; experience with internal credit systems and financial modeling tools

• Relationship-building with senior stakeholders
• Strong written and verbal communication
• Organizational skills and ability to manage tight deadlines
• Microsoft Office Suite (Excel, Word, PowerPoint)
• Internal credit systems and templates
• Financial modeling tools

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