Wholesale Credit Risk Analyst – Technology, Media, Telecom

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. ICM Underwriters manage a portfolio of relationships across NAM/TMT, being responsible for the continuous monitoring of that portfolio. That includes the production of annual reviews, quarterly reviews, and the support of ad-hoc transactions and portfolio & industry reviews and stress testing, in partnership with Corporate Banking and Risk. This role reports to Underwriting Manager.

Key Responsibilities

Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions to development of credit approval memos

Drafting of Credit Approval Memo (CAM) packages including but not limited to ensuring they are complete and accurate

Conducting initial financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis

Support relationships with key stakeholders in Banking and Risk and with key Regulators, Internal Audit, and control functions

Support ICM Underwriting organization on strategic initiatives /projects as required

Risk Management Experience

Experience in and exposure to global credit risk management standards

Ability to understand financing and product structures

Ability to assess financial and industry data to conduct credit assessment

Able to discuss and address issues associated with the allocation of risk assets and risk capital in partnership with stakeholders and product organizations.

Client Relationships / Business Partnership

Ability to understand nuances of local markets, local regulation, and the capabilities and practices of competitors

Navigates organizational complexity and breaks silos

Creates and sustains a network of strong partnerships with the business in all segments & geographies and other risk functions

Provides well-reasoned, balanced assessments of risk/return trade-offs associated with transactions and client relationships

Qualifications

2-5 years relevant experience

Experience in effectively engaging with various functions

Demonstrates strong ethics and integrity

Ability to understand the ‘big picture’ in a complex environment

Strong verbal & written communication skills. Active listening skills

Demonstrated influencing and negotiating ability, resolve conflicts amongst various constituencies

Proficient presentation skills — adept at presenting effectively to audiences of various sizes and various constituencies

Bachelor’s/University degree or equivalent experience

Job Family Group: Risk Management Job Family: Credit Risk Time Type: Full time Primary Location: Irving Texas United States Primary Location Full Time Salary Range: $76,230.00 – $106,370.00 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 & 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: Dec 25, 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.

Citigroup

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