Credit Analyst

Overview

The Global Leveraged Finance Underwriting Team (LFU) within Institutional Credit Management (ICM) is seeking Analysts to join the team. Analysts will work with Underwriters to lead a best-in-class Leveraged Lending In-Business Credit organization with the primary goal of materially enhancing Citi’s end-to-end Leveraged Lending credit management process. This will be achieved through a strong partnership with Banking, Capital Markets and Risk.

LFU Analysts will be actively involved in Citi’s credit approval and origination process for leveraged finance transactions, assisting clients in raising funds in the capital markets, as well as providing ongoing credit monitoring support for Citi’s Leveraged Finance Portfolio of client relationships. Our Underwriters have a comprehensive understanding of the wide range of complex financial issues facing our clients and can provide Analysts the opportunity to develop a sound foundation of credit skills. Combined with an appreciation of the broad set of services offered by Citi, this understanding allows us to effectively deliver innovative solutions to our clients, as well as properly manage the credit exposure within global Citi’s Leveraged Lending Portfolio.

Analyst Role and Responsibilities

• Provide analytical support to Underwriters across LFU’s core functions: (1) Leveraged Finance transaction origination and credit approval; (2) periodic credit monitoring; (3) portfolio management and reporting, limits and early problem recognition; (4) global leveraged lending related projects and strategic initiatives
• Evaluate and gain a strong understanding of clients’ business model, financial performance and key credit drivers across various industries, through due diligence as part of transactions and ongoing credit monitoring responsibilities
• Build and analyze models used for valuation and to forecast the client’s operating and financial performance; articulate assumptions and analysis to Underwriters and Risk Managers
• Coordinate with the LFU Mumbai team to perform periodic written reviews of clients’ financial and operating performance, covenant compliance, management/relationship strategy, and competitive position within its peer group
• Work with Underwriters to assess the appropriateness of credit extension transactions (leveraged buyouts, incremental debt raises or refinancings), secure approval, and assist in executing transactions on behalf of clients
• Collaborate with product partners in Capital Markets, Investment Banking, Corporate Banking and Risk, and with Legal counsel to understand deal structures and ensure documentation and approvals meet Citi WCR Standards & Procedures
• Analyze underlying business rationale/strategy for deals and create Business and Portfolio reviews for Senior Management on global risks and market trends
• Research and develop a robust understanding of key industry trends and risk issues; convey thoughts and opinions succinctly to Risk Managers and Bankers
• Monitor news and events pertaining to Citi’s leveraged lending clients and provide regular updates to Bankers

Qualifications

• Team player with a strong work ethic who works well with others at all levels
• Strong writing, analytical, quantitative, communication, and presentation skills
• Working knowledge of Microsoft Word, Excel, and PowerPoint
• Ability to break down large amounts of data into concise, easy-to-understand formats
• Ability to quickly and accurately find information upon a Banker/Manager’s request
• Ability to take on demanding responsibilities and work independently, effectively manage deadlines and juggle multiple tasks

Education

• Bachelor’s degree in mathematics, science, finance/economics, risk management or a related field required

Job Details

Job Family Group: Risk Management

Job Family: Credit Risk

Time Type: Full time

Primary Location: New York, NY, United States

Primary Location Full Time Salary Range: $86,330.00 - $120,470.00

In addition to salary, Citi’s offerings may include 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 vacation, 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

Jun 10, 2026

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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