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Citi · 1 day ago

ICM Credit Risk Associate

Irving Texas United States

Full-time

Hybrid

Mid, Senior Level

$96K/yr - $145K/yr

5+ years exp

Citi is enhancing its business control and governance framework through Institutional Credit Management (ICM), which manages credit risk activities for institutional clients. The ICM Credit Risk Associate will be responsible for credit analysis and monitoring of a portfolio of institutional relationships, ensuring compliance with Citi's credit policies and industry standards.

BankingFinanceFinancial Services

H1B Sponsor Likely

Responsibilities

Assess the credit and financial strength of Citi’s most complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors

Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR) of Citi’s Counterparties based on independent assessment and judgement; completed based on due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Citi’s risk appetite

Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Team Leads, senior managers, and business partners

Review and provide a recommendation on the risk rating across this sector

Partnership with applicable regional and industry stakeholders in the implementation of credit assessment and monitoring standards for applicable portfolios

Support ICM Risk Analysis Voice of the Employee (VOE) initiatives

Travel (less than 10%)

Qualification

Credit Risk AnalysisFinancial AnalysisCredit UnderwritingGAAP AccountingMicrosoft OfficeAnalytical ThinkingEscalation ManagementInterpersonal SkillsOrganizational SkillsCommunication Skills

Required

Bachelor's/University degree or equivalent experience

Financial Services experience including 5-8 years of credit experience in Banking or Credit Risk Management

Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile, etc.) with the ability to identify root causes and trends and anticipate horizon issues

Forms independent opinions on credit and recognizes emerging risks

Demonstrates advanced knowledge of financial statements and GAAP accounting or similar governance relating to country of operation

Sets the standard for industry research capabilities, including risk and key drivers

Solid understanding of Credit Policy and procedures; Proactively reviews Citi policies and procedures to benchmark against transactions and work submitted

Demonstrates and executes the ability to identify potential risk issues that need escalation and escalates them promptly

Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more

Embraces the need for change and appreciates its benefits with natural curiosity

Demonstrates professionalism by being reliable, actively contributing to meetings, asking questions, and challenging ideas

Proven culture carrier

Highly effective interpersonal skills, with the ability to build relationships and exert influence with and without direct authority with Senior Levels of Management

Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively

Exceptional written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority

Advanced Microsoft Office (Word, Excel, and PowerPoint) skills

Advanced experience with the internal Policies, Standards, Procedures, Templates and with financial modeling

Benefits

Medical, dental & vision coverage

401(k)

Life, accident, and disability insurance

Wellness programs

Paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays

Company

Citi

Glassdoor3.8

Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress.

Founded in 1812

San Antonio, Texas, USA

10001+ employees

https://www.citi.com

H1B Sponsorship

Citi has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Trends of Total Sponsorships

2025 (1386)

2024 (849)

2023 (1375)

2022 (1117)

2021 (876)

2020 (901)