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Job Overview

Citibank, N.A. seeks a Credit Risk Officer for its Getzville, New York location.

Duties: Assess analyst work and creditworthiness as a senior on the team and assign appropriate credit rating by credit & financial analysis. Review & underwrite the structuring of annual & transaction Credit Approval Memos. Complete/Review due diligence of North American Insurance companies with industry knowledge to provide appropriate extensions of credit remaining within risk appetite per Wholesale Credit Risk Policy, perform outlook & industry overview of the portfolio for presenting to leadership.  Perform outlook & industry overview of the portfolio for presenting to leadership. Maintain updated credit research on a portfolio of clients and lead group wide efficiency projects Help the team in assessing risks & mitigants, using both quantitative and qualitative factors to perform reviews/renewals for new and existing relationships. Lead/work with the team to perform complex transactions in sensitive timeline through collaborating cross functionally within 1st /2nd & 3rd Line of Defense Supervise, review, & provide input on analysis as a senior on the team and seeks credit and regulatory approval for all annual/transactions as part of a deal team. Ensure best in class core credit risk analysis of applicable portfolio, ensuring consistencies with industry leading practices and conform to all internal credit procedures/policies, and all related regulatory expectations.  Recognize concerns regarding execution of risk analysis and/or emerging risks which will need to be addressed by the team, and ensure the tactical execution of these guidelines are reflected on all core deliverables of the team. Ensure ongoing and timely feedback and coaching of Credit Risk Analysts, Credit Risk Senior Analysts, and Credit Risk Associates.  Maintain and manage portfolio of credit exposures to Citi's most complex clients within Large Corporate, Public Sector, and Financial Institution (Insurance/Reinsurance and Business Development Companies) sectors, accountable for ensuring best in class core credit risk analysis of applicable portfolio ensuring consistencies with industry leading practices and conform to all internal credit procedures/policies, and all related regulatory expectations.   Manage transaction deal approval process including preparing credit approval memos in partnership with relationship and product partners and making approval recommendations to senior risk managers. Monitor the Insurance portfolio, including following industry trends, impacts to key relationships, and escalating potential credit issues to Credit Risk Team Leads, ICG Risk and Banking Capital Markets and Advisory (BCMA) partners, Supporting the Credit Risk Portfolio Manager on the continuous engagement with applicable Banking and Risk senior stakeholders in the region. Assisted with special projects including stress testing, portfolio reviews and, internal audits, Attract, develop and retain top quality staff including as regards active engagement with regional on-campus recruiting efforts to ensure a robust pipeline of talent, Support Global Head of ICG Risk Analysis and Head of ICG Risk Analysis Transformation & Core Operations on internal projects and initiatives. A telecommuting/hybrid work schedule may be permitted within a commutable distance from the worksite, in accordance with Citi policies and protocols.

Requirements: Requires a Masters degree or foreign equivalent in Business Administration, Economics, Management Information Systems, Finance, Accounting or related field and 3 years of experience as a Credit Risk Analyst, Credit Portfolio Senior Manager, Tax Analyst or related position.  Will also accept a Bachelors degree, or foreign equivalent in disciplines listed above and 6 years of progressively responsible, post-baccalaureate experience in the fields listed above. 3 years of experience must include: Leading alignment meetings by presenting industry analysis, financials, organizational structure of counterparty to business and risk partners; Analyzing trends in the industry Escalating credit risk and mitigating potential loss on extended credit for clients; Perform Financial Statement analysis and use accounting skills to Conduct credit research and financial stability of a company, evaluating and reporting profitability of a credit line for extended facilities; Managing and maintaining portfolio and conducting credit assessment for counterparties; Knowledge of risk and return models, and independent assessment for evaluating acquisition financing, and leveraging financing for counterparties; Evaluating risk for the obligors and performing financial analysis to determine and recommend an extension of credit line; Performing stress testing to determine the outlier in the portfolio, UAT testing to fill gaps in the process and analyzing different types of transactions, including margin and term loans and revolving credit facilities for the client; and Loan documentation, collateral ratings, and key trading as agreements - ISDA/CSA. Applicants submit resumes at https://jobs.citi.com/. Please reference Job ID #26971229. EO Employer.

Wage Range:                    $130,728 to $130,728

Job Family Group:           Risk Management

Job Family:                       Credit Risk

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Time Type:

Full time

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Primary Location:

Getzville New York United States

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Primary Location Full Time Salary Range:

In addition to salary, Citis 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

Please see the requirements listed above.

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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:

Aug 05, 2026

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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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