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Credit Risk Senior Analyst

Job Req ID 21354197 Primary Location Roy, Utah; Jacksonville, Florida; Irving, Texas Job Category Risk Management
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The Credit Risk Senior Analyst is a seasoned professional role. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and work-flow for the area or function. Integrates subject matter and industry expertise within a defined area. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Strong communication and diplomacy skills are required. Regularly assumes informal/formal leadership role within teams. Involved in coaching and training of new recruits Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Work and performance of all teams in the area are directly affected by the performance of the individual.


  • Oversees the monthly Loss Forecasting aspects of the group.
  • Liaises with the Finance, Collections & Risk Policy team with respect to Loss Forecasting.
  • Oversees analysis of Forecasting in Citi Corp with respect to Forbearance performance and reporting, and Recoveries performance and reporting.
  • Analyzes fraud portfolio performance at a granular level.
  • Develops detailed diagnostics on Fraud behavior, shifts in that behavior, assess its impact on portfolio performance, and support the forecasting process.
  • Assists in the production all presentations to the Citigroup CFO, Citi Cards CEO, Citi Cards Risk Head, Global Consumer Credit Risk Officer & Regulators, as well as various ad hoc requests.
  • Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.


  • 5-8 years previous experience in Forecasting / Fraud / Risk Management
  • Advanced quantitative and analytic skills required.
  • Proficient in Excel, Microsoft Word, PowerPoint.
  • Excellent communication skills, both oral and written.


  • Bachelor’s/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.


  • Performs in-depth financial statement analysis to manage new and existing relationships with exposures primarily up to $250M in addition to high risk credits.
  • Integrates in-depth credit operations knowledge with a solid understanding of industry standards and practices.
  • Uses judgment to complete more complex credit transactions with direct business impact.
  • Oversees credit application process to include credit verification and determines credit limits.
  • Performs analysis of credit reports, financials, etc. to provide the status on credit and operating statements.
  • Applies analytical thinking and knowledge of credit analysis tools and methodologies.
  • May serve on special project teams as assigned.
  • Mentor lower level analysts.
  • Additional assignments as business needs are identified.


  • Bachelor's degree or equivalent experience required
  • Understanding of business needs/requirements.
  • Five+ years Credit Analysis experience required.
  • Good corporate and merchant credit and exposure analysis skills.
  • Strong process and project management skills.
  • Previous demonstrated ability to read and interpret commercial credit bureaus, analyze trade experience, and utilize external financial resources to underwrite commercial credit requests is required.
  • Demonstrated commercial underwriting/analysis experience.
  • Strong analytical skills.
  • Strong communication skills; both written and verbal.
  • Proficient working knowledge of Windows and Excel.
  • Typing skills required.
  • Phone etiquette skills required.
  • Strong customer service skills.
  • Multi-tasking in a high volume environment required.
  • Demonstrated  Commercial Financial Statement analysis 
  • Moody's MFA/Spreading experience
  • Prior lending authority desired.
  • Broad based underwriting knowledge, and 5+ years decision-making experience


Job Family Group:

Risk Management


Job Family:

Credit Decisions


Time Type:

Full time


Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

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