Senior Credit Risk Analyst - Business & Professional Services (Assistant Vice President)

Citi’s Commercial Lending Management (CLM) organization is a critical, in‑business credit function within Citi’s U.S. Commercial Bank. CLM partners closely with Relationship Managers and Independent Risk to deliver disciplined credit underwriting, portfolio oversight, and client‑focused lending solutions for commercial clients across North America.

We are seeking a Senior Credit Risk Analyst (AVP) to join the Business & Professional Services team in Irving, Texas or Chicago, IL, one of Citi’s primary U.S. hubs for commercial credit and risk. This role supports the end‑to‑end lending lifecycle, working closely with Credit Officers and relationship teams to analyze, structure, and monitor credit exposures within a diversified commercial portfolio.

This position is well suited for experienced credit professionals looking to expand underwriting responsibility, gain greater portfolio exposure, and progress toward senior credit leadership roles within a global financial institution.

Role Overview

The Senior Credit Risk Analyst partners directly with a Credit Officer to support credit underwriting, transaction execution, and ongoing portfolio monitoring. The role combines detailed financial analysis with increasing judgment and ownership, while operating within Citi’s global credit standards and U.S. regulatory framework.

Key Responsibilities

Credit Underwriting & Analysis

• Support the end‑to‑end lending process for new and existing commercial relationships
• Prepare and maintain high‑quality credit analysis and underwriting materials to support approval decisions
• Perform financial statement analysis, cash‑flow assessment, industry analysis, and transaction diligence
• Support annual and quarterly credit reviews for the assigned portfolio

Portfolio Monitoring & Risk Management

• Monitor portfolio performance, covenant compliance, and exposure levels
• Identify emerging risks and escalate issues with recommended actions
• Support accurate risk ratings, regulatory classifications, and early‑warning processes

Execution & Stakeholder Partnership

• Facilitate amendments, renewals, and other credit requests in coordination with Credit Officers and Relationship Managers
• Support the loan documentation process, partnering with internal teams and external legal counsel
• Participate in internal and client discussions related to credit matters

Development & Continuous Improvement

• Build expertise in Business & Professional Services industry drivers and credit risk considerations
• Mentor junior analysts and support team skill development efforts
• Contribute to process improvements that enhance efficiency and credit discipline

Qualifications & Experience

• 3+ years of experience in commercial credit underwriting, credit analysis, portfolio management, or risk
• Bachelor’s degree in Finance, Accounting, Economics, or a related field
• Solid understanding of financial statements and core credit fundamentals
• Strong written, verbal, and organizational skills
• Ability to manage multiple priorities in a fast‑paced, deadline‑driven environment
• Experience within a large or regional financial institution
• Exposure to Business & Professional Services or similar commercial industries
• Advanced degree or professional certification a plus, but not required

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Job Family Group:

Risk Management

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Job Family:

Credit Risk

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Time Type:

Full time

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Primary Location:

Irving Texas United States

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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 & 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