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A Credit Portfolio Analyst is an experienced Lending Product specialist and Credit Officer within the Wealth Lending. The core product set includes capital contribution loans, tailored term loans unsecured lines of credit and Loss Mitigation Restructures for the individual clients. The Credit Portfolio Analyst is required to have strong underwriting skills and sound credit judgment. Activities will include the successful structuring, documenting, closing and monitoring of credit facilities in a controlled environment. Duties will also include maximizing team efficiency through episodic special projects.

**Job Responsibilities** :

+ Review credit request for new standard/program loans for compliance with product program and core credit policies.

+ Underwrite and structure loans within established risk acceptance criteria, demonstrating appropriate risk-return characteristics.

+ Negotiate documentation, including obtaining external counsel opinion if required. Ensure execution of transactions in accordance with agreed documents.

+ Maintain high level of unit productivity by ensuring timely turnaround.

+ Demonstrate superior partnering skills with key stakeholders across all Wealth offices in the US and UK.

+ Responsible for strict adherence to the Citi compliance/regulatory framework.

+ Provide on-going reporting and assessment of the credit quality and economic performance of the portfolio.

+ Work with other Credit Officers to resolve/eliminate exceptions across the portfolio.

+ During annual review process, monitor the client’s compliance with terms and conditions associated with previously approved facilities.

+ Responsible for the early problem recognition process and must propose, when deemed appropriate, credit classification and appropriate risk rating on specific transactions/ relationships.

+ Participation in remedial management actions as required.

+ Increase operating efficiency by employing systemic enhancements to existing manual processes.

+ Partner with the Loan Operations and Documentation Control centers to leverage best practices. Foster strong working relationships to enhance/improve service delivery to our clients.

Requirements:

+ Strong and proven analytical, financial structuring and execution skills

+ Strong marketing skills

+ 3+ years’ experience as a Credit Officer

+ Broad knowledge of Lending Credit Policies

+ Broad knowledge of financial markets, investments, banking and loan products Financial Accounting and cash flow modelling

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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Primary Location:

New York New York United States

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Primary Location Full Time Salary Range:

$109,120.00 - $163,680.00

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, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, 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:

Oct 12, 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.