Senior Credit Risk Analyst – Business & Professional Services

Citi

. Support the end‑to‑end lending process for new and existing commercial relationships .

Posted 5/23/2026full-timeIrving • Illinois, Texas • 🇺🇸 United StatesSenior💰 $96,400 - $144,600 per yearWebsite

About the role

Key responsibilities & impact

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
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
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
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

Requirements

What you’ll need

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

Benefits

Comp & perks

medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
planned time off (vacation)
unplanned time off (sick leave)
paid holidays

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit analysisunderwritingfinancial statement analysiscash-flow assessmentportfolio managementrisk assessmentregulatory classificationsloan documentationprocess improvementscredit fundamentals

Soft Skills

written communicationverbal communicationorganizational skillstime managementmentoringteam developmentproblem-solvingattention to detailinterpersonal skillsadaptability

Certifications

Bachelor’s degree in FinanceBachelor’s degree in AccountingBachelor’s degree in Economicsadvanced degreeprofessional certification