Citi

Citi

Posted via Workday

ICM Credit Risk Intermediate Analyst – Officer (Real Money Funds)

Apply by Oct 30, 2026

Posted Sep 4, 2026

Role at a glance

Job function
Banking, Payments & Insurance Credit Analysis
Salary
Not Disclosed
Location
Mumbai Maharashtra India
Work arrangement
Hybrid
Employment
Full-time
Experience
Mid Level Demonstratable financial services experience, including 4-6 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
Education
MBA/CA/CFA or equivalent

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Role Summary

AI-generated

This First Line of Defense role performs credit analysis for Citi’s EMEA Real Money Funds clients within ICM Funds Underwriting. It assesses and monitors counterparty credit risk and supports risk ratings and credit decisions for Funds counterparties.

What You'll Do

  • Assess the credit and financial strength of Real Money Funds clients using quantitative and qualitative analysis.
  • Prepare credit analysis write-up memos and final obligor risk ratings based on client due diligence and independent assessment.
  • Monitor the covered portfolio, follow industry trends and key relationship impacts, and escalate potential credit issues.
  • Review and recommend risk ratings across the Funds sector.
  • Partner with Underwriting, 2LoD, and Banking stakeholders to implement credit assessment and monitoring standards.

Generated from the employer's posting. Verify important details before applying.

View full posting

Qualifications

Financial services experience, including 4–6 years of credit experience in Banking, Credit Risk Management, or equivalent credit experience; knowledge of wholesale credit processes and organizational awareness of ICM functions, covered portfolios/products, and processes; experience preparing clear, concise presentations to senior stakeholders; strong ownership and organizational skills, with the ability to work under stringent deadlines and manage time and priorities effectively; good Microsoft Office (Word, Excel, and PowerPoint) skills. Education or credentials: MBA, CA, CFA, or equivalent.

Preferred

  • Solid and thorough knowledge of Citi’s systems.

Original job description

Content provided by the employer

Institutional Credit Management (ICM) is a critical component of Citi’s First Line of defense for wholesale and counterparty credit risk (CCR) management. ICM works with Independent Risk teams to ensure best-in-class risk and controls, and client responsiveness. Key responsibilities of the group include credit analysis, documentation, risk identification, exposure monitoring and stress testing. ICM coordinates with credit management groups across Markets as well as Banking to ensure full alignment on business and regulatory goals, as well as consistency and best practices.

Within ICM Counterparty Credit Risk (CCR), ICM Funds Underwriting is a global team responsible for measuring, monitoring and controlling counterparty risk for Funds, covering Investment Advisors as Agent, and Pension Funds. We are seeking an experienced professional to perform credit analysis (preparing CAMs) for Real Money Funds clients. This is a First Line of Defense risk management role.

Key Responsibilities:

  • Assess the credit and financial strength of Citi’s Real Money Funds Clients (for EMEA Funds portfolio) by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors

  • Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Funds Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite

  • Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriting Team Leads, 2LoD Risk Partners and Banking partners

  • Review and provide recommendation on the risk rating across the Funds sector

  • Partner with regional and industry stakeholders in Underwriting, 2LoD, and Banking in the implementation of credit assessment and monitoring standards for applicable portfolios

Skills/Competencies:

  • Demonstratable financial services experience, including 4-6 years of credit experience in Banking, Credit Risk Management or equivalent credit experience

  • Good knowledge of Wholesale Credit Processes and organizational awareness including ICM functions, covered portfolios/products, and processes

  • Solid and thorough knowledge of Citi´s systems (preferable)

  • Experience in preparing clear and concise presentations to senior stakeholders

  • Demonstrate strong ownership and organizational skills with ability and willingness to work under stringent deadlines, manages time and priorities effectively

  • Good Microsoft Office (Word, Excel, and PowerPoint) skills

Education:

  • MBA/CA/CFA or equivalent

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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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Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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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 Accessibility at Citi.

View Citi’s EEO Policy Statement and the Know Your Rights poster.

Citi

About the company

Citi

Large Enterprise

Citi is a global financial services corporation that offers a wide range of financial products and services, including consumer banking, credit, investment banking, and wealth management. With a presence in nearly 100 countries, Citi serves millions of customers, from individuals and small businesses to large corporations and governments. The company is dedicated to innovation and sustainability, actively working to support economic growth while addressing environmental and social challenges. Citi’s commitment to providing exceptional service and fostering diverse talent makes it a prominent choice for students aspiring to build a career in finance and banking.