Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi’s institutional clients. ICM’s objective is to provide integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise. Within ICM, the Credit Underwriting function (“ICM UW” or “UW”) provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking, Services, and Markets relationships.Credit Risk Associates are responsible for a portfolio of institutional relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to ad-hoc transactions and portfolio &amp; industry reviews and stress testing.A Credit Risk Associate is expected to have a deep understanding of credit risk, of Citi´s internal policies and procedures, and knowledge of industry fundamentals that the portfolio belongs to. They should need minimal supervision from their respective Team Lead and be able to carry thoughtful conversations with partners.This role has responsibility for the Commodities portfolio and the role reports directly to the Commodities Underwriter Manager.Key Responsibilities: <ul><li>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</li><li>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</li><li>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</li><li>Review and provide a recommendation on the risk rating across this sector</li><li>Partnership with applicable regional and industry stakeholders in the implementation of credit assessment and monitoring standards for applicable portfolios</li><li>Support ICM Risk Analysis Voice of the Employee (VOE) initiatives</li><li>Travel (less than 10%)</li></ul>Skills/Competencies:<ul><li>Risk &amp; Credit Underwriting:<ul><li>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</li><li>Forms independent opinions on credit and recognizes emerging risks</li><li>Demonstrates advanced knowledge of financial statements and GAAP accounting or similar governance relating to country of operation</li><li>Sets the standard for industry research capabilities, including risk and key drivers</li><li>Solid understanding of Credit Policy and procedures; Proactively reviews Citi policies and procedures to benchmark against transactions and work submitted</li><li>Demonstrates and executes the ability to identify potential risk issues that need escalation and escalates them promptly</li></ul></li></ul><ul><li>Leadership:<ul><li>Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more</li><li>Embraces the need for change and appreciates its benefits with natural curiosity</li><li>Demonstrates professionalism by being reliable, actively contributing to meetings, asking questions, and challenging ideas</li><li>Proven culture carrier</li></ul></li></ul><ul><li>Interpersonal:<ul><li>Highly effective interpersonal skills, with the ability to build relationships and exert influence with and without direct authority with Senior Levels of Management</li><li>Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively</li><li>Exceptional written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority</li></ul></li></ul><ul><li>Technical:<ul><li>Advanced Microsoft Office (Word, Excel, and PowerPoint) skills</li><li>Advanced experience with the internal Policies, Standards, Procedures, Templates and with financial modeling</li></ul></li></ul>Qualifications:<ul><li>Bachelor’s/University degree in Accounting, Finance or Economics or equivalent experience.</li><li>Financial Services experience including 5-8 years of credit experience in Banking or Credit Risk Management</li></ul>------------------------------------------------------Job Family Group: Risk Management------------------------------------------------------Job Family:Credit Risk------------------------------------------------------Time Type:Full time------------------------------------------------------Primary Location:Houston Texas United States------------------------------------------------------Primary Location Full Time Salary Range:$96,400.00 - $144,600.00 In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental &amp; 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.------------------------------------------------------Most Relevant Skills Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.------------------------------------------------------Other Relevant Skills For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------Anticipated Posting Close Date:Oct 23, 2025------------------------------------------------------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. 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 <a href="https://www.citigroup.com/citi/accessibility/application-accessibility.htm" target="_blank">Accessibility at Citi</a>. View Citi’s <a href="https://www.citigroup.com/global/eeo-aa-policy" target="_blank">EEO Policy Statement</a> and the <a href="https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf" target="_blank">Know Your Rights</a> poster.