Citi · 5 hours ago
Credit Risk Associate - Assistant Vice President
Houston, TX
Full-time
Onsite
Mid, Senior Level
$96K/yr - $145K/yr
5+ years expCiti is strengthening its business control and governance framework through Institutional Credit Management (ICM), a function responsible for managing credit risk activities for institutional clients. The Credit Risk Associate role focuses on providing credit analysis and underwriting for a portfolio of institutional relationships in the Commodities sector, ensuring effective risk management and compliance with Citi’s policies.
BankingFinanceFinancial Services
Responsibilities
Perform fundamental credit analysis of counterparties in the Commodities sector using quantitative and qualitative factors, including market dynamics and regulatory considerations
Prepare Credit Approval Memos (CAMs) and assign risk ratings based on independent assessment and due diligence, internal modeling and scorecards, and client engagement, ensuring alignment within Citi’s risk appetite
Monitor the covered portfolio continuously, including tracking commodity price volatility, supply/demand fundamentals, and geopolitical risks; promptly escalate potential credit concerns
Review and recommend risk ratings across the Commodities Counterparty portfolio
Support senior Underwriters on all activities related to the assigned coverage including new transaction approvals, review of trade structures and exposures, writing of credit memos and credit administration
Qualification
Required
Bachelor's degree in Accounting, Finance, Economics, or related field
5–8 years of credit experience in Banking or Credit Risk Management, preferably with exposure to Commodities markets and derivative products
Strong analytical skills with ability to assess liquidity, leverage, and cash flow under volatile commodity price environments
Ability to form independent credit opinions and identify risks in derivative transactions and physical trading of commodities
Advanced understanding of financial statements, GAAP accounting, and financial spreading including calculation and analysis of key credit ratios
Expertise in industry research, including commodity market drivers, regulatory frameworks, and counterparty risk factors
Solid experience understanding Credit Policy and ability to benchmark transactions against internal standards
Proactive identification and escalation of potential risk issues
Demonstrates commitment to Citi's values and team collaboration
Embraces change and continuous improvement with curiosity and adaptability
Professional, reliable, and actively engaged in team discussions
Strong relationship-building skills with ability to influence stakeholders at senior levels
Excellent organizational skills; able to manage priorities under time-sensitive conditions
Exceptional written and verbal communication skills tailored to diverse audiences
Advanced proficiency in Microsoft Office (Excel, Word, PowerPoint)
Experience with internal credit systems, templates, and financial modeling tools
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
Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress.
10001+ employees
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)
Funding
Current Stage
Late StageLeadership Team
James Monahan
Managing Director / Global Head of Asset Servicing
Naveed Sultan
Managing Director, Chairman, Institutional Clients Group
Recent News
2026-01-20
2026-01-15
Company data provided by crunchbase