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This role is focused on reviewing, challenging and approving Financial Risk Assessments and Credit Approval Memos, and monitoring the portfolio to identify potential deteriorations in a third party’s financial performance and ability to perform their contractual obligations to Citi. As a member of the Third Party Credit Risk Group (TPCRG), the position is a part of the Global Commercial Risk function within Business & International Risk (BIR). The function owns the Global Third Party Credit and Performance Risk Policy and establishes MIS & Reporting for contingent exposures through various types of third party relationships, such as suppliers, partners, alliances and joint ventures for Citigroup globally. This role manages and mitigates potential losses, safeguarding the company's financial stability and supporting sustainable business growth.

**Responsibilities** :

+ Provide review challenge and approval of Credit and Financial Performance Risk assessments of both prospective and existing third-party relationships, including analyzing companies, industries, financial viability, Citi's contingent risks and contract protections.

+ Conduct annual and/or quarterly reviews of Third Parties involved in critical activities for Citi. Work with Citi Business units to establish effective action plans and contract language that mitigate Citi's risk.

+ Assess quality of assigned portfolios, including identification and evaluation of emerging risks.

+ Use Citi’s proprietary systems & tools including Debt Rating Model (DRM), CitiRisk Financial, and Optima.

+ Provide autonomous assessment of the accuracy and appropriateness of risk ratings and classifications of the assigned portfolios.

**Qualifications** :

+ 5+ years of work experience, preferably in financial and/or credit analysis

+ Proven knowledge of credit risk measures and basic accounting

+ Commercial credit knowledge required, including experience analyzing corporate financial statements

+ Ability to analyze complex data, prioritize critical information, make informed decisions and present conclusions

+ Excellent interpersonal and communication skills, including the ability to articulate ideas clearly and adapt communication styles to suit different audiences

+ Ability to prioritize and remain organized in a fast-paced environment

+ Good team player and excellent work ethics

+ Third party management experience would be a plus

+ Experience with interacting with senior management, regulators, internal and external audit would be a plus

+ Experience with internal risk / finance reporting systems (Optima, CitiRisk), system flows, data attributes would be a plus

**Education** :

Bachelor's/University degree or equivalent experience

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Job Family Group:

Risk Management

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Job Family:

Credit Decisions

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Time Type:

Full time

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Primary Location:

Jacksonville Florida United States

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Primary Location Full Time Salary Range:

$87,280.00 - $130,920.00

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.

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Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

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

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Anticipated Posting Close Date:

Sep 04, 2025

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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 (https://www.citigroup.com/citi/accessibility/application-accessibility.htm) ._

_View Citi’s EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy) and the Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf) poster._

Citi is an equal opportunity and affirmative action employer.

Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.