Credit Analyst

Responsibilities

• Analyze the creditworthiness of new and existing investment fund clients (e.g., mutual funds, pension funds, asset managers) by evaluating their investment strategy, performance, portfolio composition, Assets Under Management (AUM), and liquidity to deliver clear, data‑driven assessments for Underwriting review.
• Monitor credit risk across new and existing fund relationships, including tracking NAV‑based triggers and compliance with terms under ISDA, CSA, and GMRA agreements.
• Prepare comprehensive and detailed Credit Approval Memos (CAMs), articulating the credit rationale, key risks, and mitigants for facilities providing exposure to derivatives and securities financing transactions.
• Identify early warning signals of potential client risk and raise findings in a timely and structured manner.
• Conduct periodic financial reviews to ensure exposures remain aligned with agreed terms and credit appetite.
• Conduct stress testing and scenario analysis to understand the potential impact of market volatility on fund portfolios and Citi’s exposure.
• Ensure all credit activities comply with Citi’s policies and regulatory standards, maintaining the integrity required by internal and external audit processes.

Required Qualifications

• 0‑1 year of experience at a financial institution.
• Advanced proficiency in English, both written and spoken; CV must be submitted in English.
• Technical skills: Advanced proficiency in Microsoft Excel and data analysis.
• Demonstrated ability to analyze financial data, interpret results, and translate findings into clear, actionable recommendations.
• Bachelor’s degree or equivalent experience in finance, economics, or a related field.
• Skilled in gathering, structuring, and preparing data for analysis, including comparing program outcomes against expected results and developing evaluation criteria.
• Strong attention to detail when assessing financial information, with the ability to communicate complex findings clearly to stakeholders.

Beneficial Skills & Qualifications

• Familiarity with financial products such as derivatives, FX forwards, repos, securities lending, and bond trading, including their legal and operational frameworks.
• Knowledge of the funds and pension fund industries, including investment strategies and regulatory considerations.
• Exposure to risk management frameworks and regulatory environments within financial services.
• Familiarity with trading documentation such as ISDA, CSA, and GMRA.
• Experience with credit exposure metrics like Potential Future Exposure (PFE), Net stressed exposure (NSE), and Value‑at‑Risk (VaR).

What We Offer

• Hybrid working model—spend three days in the office and two days working remotely, giving you meaningful in‑person collaboration with flexibility to manage your time effectively.
• Access to learning and development resources that support your growth in credit risk and financial analysis, with clear pathways to advance your career at Citi.
• Work alongside experienced underwriting and risk professionals, gaining exposure to complex credit portfolios and real‑world decision‑making at a global financial institution.
• A collaborative and inclusive team culture where diverse perspectives are encouraged and your analytical contributions make a direct impact on business outcomes.
• Wellbeing and work‑life balance support, including programs designed to help you thrive both inside and outside of work.
• Competitive financial benefits and a rewards package reflective of your skills and experience.

Apply today and take the next step in your credit risk career with one of the world’s leading global finance teams at the highest level.

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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