About Citi & the Institutional Credit Management (ICM) Team
Citi is a global financial services powerhouse with a heritage that spans more than a century. Our mission is to responsibly provide financial solutions that improve the lives of our clients, our communities, and our employees. Within Citi, the Institutional Credit Management (ICM) organization serves as a vital pillar of the bank’s first line of defense, safeguarding wholesale and counter‑party credit risk across a broad spectrum of markets, products, and jurisdictions.
The ICM team collaborates closely with independent risk functions, business partners, and senior stakeholders to enforce world‑class risk standards, embed robust controls, and deliver exceptional client service. As part of the ICM Counterparty Credit Risk (CCR) portfolio, the Funds Underwriting group focuses on the credit health of real‑money funds—including asset management companies, investment advisory agents, and pension funds—ensuring Citi’s exposure aligns with strategic risk appetite and regulatory expectations.
Joining this team means becoming part of a dynamic, forward‑thinking community that values analytical rigor, proactive risk stewardship, and continuous learning. Whether you are working from a home office or a Citi‑approved remote hub, you will have access to cutting‑edge technology, collaborative platforms, and a culture that rewards curiosity, integrity, and impact.
Why This Role Matters
The Senior Credit Portfolio Analyst position sits at the nexus of credit analysis, portfolio monitoring, and strategic stakeholder engagement. In this capacity you will drive the assessment of high‑value fund counterparties, translate complex financial data into clear credit judgments, and partner with senior underwriters to shape risk‑mitigation strategies that protect Citi’s balance sheet while supporting the growth ambitions of our global clients.
Key Responsibilities
- Credit Assessment & Rating: Conduct comprehensive fundamental credit analyses of real‑money fund clients, integrating quantitative metrics (liquidity, leverage, cash flow) with qualitative insights (industry trends, management quality) to produce rigorous risk ratings and detailed write‑up memos.
- Portfolio Monitoring & Escalation: Continuously monitor assigned fund portfolios for emerging risks, market developments, and covenant breaches. Proactively flag potential credit issues and coordinate timely escalations with Underwriting Team Leads, 2nd Line of Defense (2LoD) risk partners, and Business, Capital Markets and Advisory (BCMA) stakeholders.
- Stakeholder Collaboration: Partner with regional underwriting teams, risk analytics groups, and product specialists to ensure consistent application of credit standards and to drive the evolution of underwriting policies across the Funds sector.
- Regulatory & Policy Alignment: Apply Citi’s global credit policies, regulatory guidelines, and internal control frameworks to all analyses, ensuring strict adherence to quality assurance (QA) and quality control (QC) requirements.
- Presentation & Communication: Prepare and deliver concise, data‑driven presentations for senior management, risk committees, and external auditors, articulating credit rationale, risk trends, and recommended actions.
- Mentorship & Team Development: Coach junior analysts, share best practices, and foster a culture of continuous improvement. Identify stretch opportunities that elevate individual and team performance.
- Process Innovation: Contribute to the design and implementation of new analytical tools, data sourcing techniques, and workflow enhancements that increase efficiency and analytical depth.
- Voice of the Employee (VOE) Initiatives: Participate in employee engagement programs, providing feedback that shapes a supportive and high‑performing work environment.
Essential Qualifications
- Relevant Experience: 3–5 years of credit analysis experience within banking, credit risk management, or a closely related financial services role, with a proven track record of evaluating wholesale credit exposures.
- Educational Background: Bachelor’s degree in Finance, Accounting, Economics, or a related discipline; advanced degrees (MBA, MSc) are highly desirable.
- Analytical Expertise: Strong proficiency in interpreting financial statements, assessing liquidity positions, leverage ratios, and cash‑flow dynamics. Ability to form independent credit opinions and anticipate emerging risk factors.
- Industry Knowledge: Familiarity with real‑money fund structures, asset management, pension fund operations, and the associated counter‑party credit risk metrics.
- Technical Skills: Advanced Microsoft Office capabilities (Excel modeling, PowerPoint storytelling, Word documentation) and comfort navigating Citi’s internal credit risk platforms.
- Communication Skills: Exceptional written and verbal communication, capable of delivering complex concepts to senior audiences in a clear, concise manner.
- Regulatory Acumen: Understanding of global regulatory expectations (e.g., Basel III, SR 11‑7) and a commitment to maintaining a robust control environment.
Preferred Qualifications & Additional Strengths
- Experience working within a global financial institution’s credit risk or underwriting function.
- Hands‑on exposure to stress‑testing frameworks, scenario analysis, and risk modeling tools.
- Demonstrated ability to influence cross‑functional partners without direct authority, leveraging strong interpersonal and relationship‑building skills.
- Track record of driving process improvements, automation initiatives, or data‑analytics enhancements within a credit risk context.
- Professional certifications such as CFA, FRM, or CPA that reinforce analytical rigor and industry credibility.
- Fluency in a second language, especially one prevalent in major fund‑raising regions (e.g., Mandarin, Spanish, French), to support global client coverage.
Core Skills & Competencies for Success
- Strategic Orientation: Ability to view credit risk through a long‑term, enterprise‑wide lens, aligning underwriting decisions with Citi’s risk appetite and growth objectives.
- Problem Solving: Proactive identification of risk drivers and formulation of actionable mitigation strategies.
- Attention to Detail: Rigorous adherence to data integrity, documentation standards, and quality control procedures.
- Adaptability: Comfort operating in a fast‑changing environment, handling multiple priorities, and meeting tight deadlines.
- Team Collaboration: Strong desire to support colleagues, share knowledge, and celebrate collective achievements.
- Ethical Judgment: Unwavering commitment to the highest standards of integrity, confidentiality, and regulatory compliance.
Career Growth & Learning Opportunities
At Citi, the journey does not end with a title. As a Senior Credit Portfolio Analyst you will have access to a robust development ecosystem designed to accelerate your professional growth:
- Rotational Programs: Opportunities to rotate across different credit lines, product groups, or geographic regions, broadening your perspective on global risk management.
- Learning Platforms: Unlimited access to internal training portals, industry webinars, and external certifications (e.g., CFA, FRM) funded by the organization.
- Mentorship Networks: Pairing with senior risk leaders who provide guidance, sponsorship, and insight into senior‑level career pathways.
- Leadership Development: Participation in Citi’s Leadership Development Series, designed to hone strategic thinking, stakeholder management, and change‑leadership capabilities.
- Innovation Labs: Involvement in fintech and data‑analytics labs where you can propose and prototype new credit assessment tools.
- Global Exposure: Collaborate with colleagues across continents, gaining a nuanced understanding of regional risk appetites and regulatory environments.
Compensation, Benefits & Perks
Citi offers a competitive total‑reward package that reflects the importance of this role and the expertise you bring:
- Base Salary Range: $77,280 – $115,920 annually, commensurate with experience and market benchmarks.
- Incentive Programs: Eligibility for discretionary and formulaic bonus awards tied to individual performance, team results, and firm profitability.
- Retirement Savings: 401(k) plan with company matching contributions.
- Health & Wellness: Comprehensive medical, dental, vision coverage; life, accident, and disability insurance; wellness initiatives and employee assistance programs.
- Paid Time Off: Generous vacation accruals, sick leave, paid holidays, and flexible work‑arrangement policies supporting work‑life balance.
- Remote Work Support: Stipends for home‑office setup, high‑speed internet, and collaboration tools.
- Professional Development Funding: Tuition assistance, certification reimbursements, and conference attendance budgets.
- Employee Resource Groups (ERGs): Inclusive communities that foster belonging, mentorship, and cultural awareness.
Work Environment & Company Culture
Our remote‑first model empowers you to work from the comfort of your preferred environment while staying tightly connected to the broader Citi community. You will experience:
- Diverse & Inclusive Culture: A workplace where every voice is valued, and diverse perspectives drive innovative solutions.
- Collaborative Technology: State‑of‑the‑art platforms (e.g., Teams, SharePoint, Bloomberg) that enable seamless communication across time zones.
- Performance‑Driven Atmosphere: Clear objectives, transparent metrics, and regular feedback cycles that recognize high performance.
- Commitment to Sustainability: Participation in Citi’s environmental, social, and governance (ESG) initiatives, aligning your work with broader societal impact.
- Social Connection: Virtual coffee chats, mentorship circles, and occasional in‑person gatherings to nurture relationships and team cohesion.
How to Apply
If you are a motivated credit professional who thrives in a challenging, analytical, and collaborative environment, we invite you to submit your application today. Please ensure your résumé highlights relevant credit experience, educational credentials, and any certifications that showcase your expertise.
Click the link below to begin your application journey. Our recruiting team reviews applications on a rolling basis and will reach out promptly to discuss next steps.
Apply Now – Remote Senior Credit Portfolio Analyst (C12)
Join Us and Shape the Future of Credit Risk
At Citi, every analyst plays a pivotal role in safeguarding the financial system while enabling our clients to achieve their ambitions. By joining our Institutional Credit Management team, you will not only deepen your expertise in counter‑party risk and funds underwriting but also become a trusted advisor to senior leaders across the firm.
We look forward to receiving your application and exploring how your unique talents can contribute to our mission of responsible finance, innovative risk solutions, and enduring client success.
Apply Now