credit risk specialist

Citi

<div><h2 class="jobSectionHeader"><b>Discover your future at Citi</b></h2>
<p>Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you&rsquo;ll have the opportunity to grow your career, give back to your community and make a real impact.</p>
<h2 class="jobSectionHeader"><b>Job Overview</b></h2>
<p>The Credit Analyst 1 is a developing professional role. Applies specialty area knowledge in monitoring, assessing, analyzing and/or evaluating processes and data. Identifies policy gaps and formulates policies. Interprets data and makes recommendations. Researches and interprets factual information. Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures or practices. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team.<br>
<br>
<b>Responsibilities:</b></p><ul><li>
Accurately spreads business and personal financial statements and business and individual tax returns on a timely basis and in accordance with Generally Accepted Accounting Principles (GAAP) and Citibank policies.</li><li>
Ensure that financial data for simple to complex credits are mapped appropriately into the bank's matrix and analysis tool.</li><li>
Provides comments to the judgmental Underwriter on significant items in the financials and may be involved in credit structure and loan pricing. Additional responsibilities may include being a specialist for a designated industry and the effective interaction with Credit Officers and Relationship Managers while providing assistance regarding the analysis of the applications.</li><li>
Spread new, renewal and interim financial statements and business and individual tax returns in accordance with bank guidelines (focus on more complex financial statements (i.e. Not-For-Profit).</li><li>
Provide succinct analysis based on customers, peers, the portfolio, and the industry.</li><li>
Provide preliminary analysis of simple to complex credits, including calculation of cash flow, debt service coverage, collateral coverage, and guarantor net worth.</li><li>
Coordinate with the Credit Officers, Credit Analysts, Other Credit Center Staff and Relationship Managers.</li><li>
Act in an advisory role for the Credit Officers/Relationship Managers on loan agreement/covenants clarification and monitoring.</li><li>
Complete quality assurance reviews to ensure application packages and analysis are thorough and accurate prior to forwarding for underwriting.</li><li>
May act as an industry specialist with responsibility for SBA/EXIM loan analysis</li><li>
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.</li></ul><p><b><br>
Qualifications:</b></p><ul><li>
0-2 years prior experience in a financial institution with a focus on credit analysis and spreading software.</li><li>
Extensive knowledge of GAAP accounting, financial regulations, financial products, and credit analysis.</li><li>
Ability to analyze business and personal financial statements with respect to GAAP and Citibank policies.</li></ul><p><b><br>
Education:</b></p><ul><li>
Bachelor&rsquo;s/University degree or equivalent experience</li></ul><p></p><p><br>
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.</p><p></p><p>
-</p><p><b>
Job Family Group:
</b></p>Risk Management<p>
-</p><p><b>
Job Family:</b></p>
Credit Risk<p>
-</p><p><b>
Time Type:</b></p>
Full time<p>
-</p><p><b>
Most Relevant Skills
</b></p>Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.<p>
-</p><p><b>
Other Relevant Skills
</b></p>For complementary skills, please see above and/or contact the recruiter.<p>
-</p><p><i>
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.</i></p><p></p><p><i>
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 </i><i>Accessibility at Citi</i><i>.</i><br>
<br>
<i>View Citi&rsquo;s </i><i>EEO Policy Statement</i><i> and the </i><i>Know Your Rights</i><i> poster.</i></p></div>

Credit Risk Analyst

ACCA Careers

<div>
 <strong>
  Job Description
  <br/>
  <br/>
 </strong>
 The Credit Analyst will be responsible for assessing the creditworthiness of customers, analyzing financial data, enforcing internal credit policies, supporting field teams, and preparing credit performance reports. The role requires strong analytical skills, attention to detail, and thorough knowledge of credit processes, compliance, and financial evaluation.
 <br/>
 <br/>
 <strong>
  Key Responsibilities
  <br/>
  <br/>
 </strong>
 Evaluate financial statements and assess creditworthiness of businesses and individuals. Manage credit risk and ensure compliance with regulatory requirements. Support credit strategies and provide guidance to field teams. Enforce internal credit policies and maintain adherence to SLAs. Review, analyze, and approve credit applications within defined limits. Collaborate with business teams to balance growth and risk management. Prepare regional credit performance and trend reports. Apply financial analysis and risk assessment skills effectively. Maintain updated knowledge of credit policies, collections, and recovery processes.
 <strong>
  Requirements
  <br/>
  <br/>
 </strong>
 Experienced Candidates: Up to 3 years of experience in credit, finance, or risk roles within the financial sector. Fresh Graduates: 16 years of education in Business, Finance, Accounting, or related fields from an HEC-recognized institution.
 <strong>
  Skills Required
  <br/>
  <br/>
 </strong>
 Strong financial analysis and credit assessment skills Risk management and compliance understanding Knowledge of lending policies and credit procedures Reporting, documentation, and analytical skills Good communication and stakeholder coordination Proficiency in MS Office (Excel, PowerPoint, Word)
 <strong>
  How to Apply
  <br/>
  <br/>
 </strong>
 <strong>
  Interested Candidates May Send Their Resumes To
  <br/>
  <br/>
 </strong>
 careers1.hc@gmail.com
 <br/>
 <br/>
 CC: careers@humancapitalintl.com
 <br/>
 <br/>
 <strong>
  Follow Our Social Accounts for the Latest Job Opportunities!
  <br/>
  <br/>
 </strong>
 Instagram: https://www.instagram.com/humancapitalhrsolutions/ LinkedIn: https://www.linkedin.com/company/human-capital-hr-solution/ Facebook: https://www.facebook.com/humancapitalhrsolution/
</div>


Credit Analyst / Credit Risk Management | Financial Sector

Human Capital HR Solutions

<p><b>Job Description</b></p><p>The Credit Analyst will be responsible for assessing the creditworthiness of customers, analyzing financial data, enforcing internal credit policies, supporting field teams, and preparing credit performance reports. The role requires strong analytical skills, attention to detail, and thorough knowledge of credit processes, compliance, and financial evaluation.</p><p><b>Key Responsibilities</b></p><ul><li>Evaluate financial statements and assess creditworthiness of businesses and individuals.</li><li>Manage credit risk and ensure compliance with regulatory requirements.</li><li>Support credit strategies and provide guidance to field teams.</li><li>Enforce internal credit policies and maintain adherence to SLAs.</li><li>Review, analyze, and approve credit applications within defined limits.</li><li>Collaborate with business teams to balance growth and risk management.</li><li>Prepare regional credit performance and trend reports.</li><li>Apply financial analysis and risk assessment skills effectively.</li><li>Maintain updated knowledge of credit policies, collections, and recovery processes.</li></ul><p><b>Requirements</b></p><ul><li>Experienced Candidates: Up to 3 years of experience in credit, finance, or risk roles within the financial sector.</li><li>Fresh Graduates: 16 years of education in Business, Finance, Accounting, or related fields from an HEC-recognized institution.</li></ul><p><b>Skills Required</b></p><ul><li>Strong financial analysis and credit assessment skills</li><li>Risk management and compliance understanding</li><li>Knowledge of lending policies and credit procedures</li><li>Reporting, documentation, and analytical skills</li><li>Good communication and stakeholder coordination</li><li>Proficiency in MS Office (Excel, PowerPoint, Word)</li></ul><p><b>How to Apply</b></p><p>Interested candidates may send their resumes to:<br/>careers1.hc@gmail.com<br/>CC: careers@humancapitalintl.com</p><p><b>Follow Our Social Accounts for the Latest Job Opportunities!</b></p><ul><li>Instagram: https://www.instagram.com/humancapitalhrsolutions/</li><li>LinkedIn: https://www.linkedin.com/company/human-capital-hr-solution/</li><li>Facebook: https://www.facebook.com/humancapitalhrsolution/</li></ul><p>Job Type: Full-time</p><p>Work Location: In person</p>

Zolve

<div><div><div>Credit Assessment
<div><div><h1 class="jobSectionHeader"><b>Credit Risk Senior Analyst</b></h1>
<div>Bengaluru
<div>Work Type: Full Time
</div></div></div><div>
</div></div></div></div><div><div><h1 class="jobSectionHeader"><b>ABOUT ZOLVE</b></h1><div></div><div><div><div><div><br>
Welcome to the financial frontier of limitless possibilities - welcome to Zolve. We're not just a fintech; we're architects of a financial revolution, crafting a narrative that transcends borders. At Zolve, we believe in rewriting the rules of finance to empower global citizens, nomads, and dreamers to navigate the world without constraints.</div><div><br>
Zolve is the world's first cross border neo-bank which helps migrants get access to credit in the new country based on their home country credit score. Zolve&rsquo;s cross-border capabilities enable global citizens to access financial products such as checking accounts, credit cards, remittances, insurances, and loans seamlessly, helping them to be financially free to pursue their ambitions, without limiting the services to a particular country.</div><div><br>
As we continue to grow into multiple geographies, product lines and customer segments, we are seeking a dynamic individual<b> </b>to join us and support our journey.</div></div></div></div><div></div><h1 class="jobSectionHeader"><b><br>
JOB DESCRIPTION</b></h1><div></div><div><div><div><div><b><br>
Role: </b><b>Credit Risk Senior Analyst</b></div><div><b><br>
Location: </b>Bengaluru</div><div><b><br>
Employment Type: </b>Full-Time</div><div><br>
The <b>Credit Risk Senior Analyst</b> will be responsible for assessing, managing, and mitigating the credit risk exposure for the US credit card portfolio. This role will involve working closely with business units to ensure sound credit risk policies and practices are in place. The Credit Risk Senior Analyst will conduct thorough credit assessments, maintain risk monitoring systems, and assist in making strategic recommendations to safeguard the company from potential credit losses. This position requires strong analytical skills, a deep understanding of credit risk management principles, and the ability to communicate effectively with senior leadership.</div></div></div><br>
</div><h1 class="jobSectionHeader"><b>
RESPONSIBILITIES</b></h1><div><div><div><h3 class="jobSectionHeader"><b>
Credit Risk Assessment</b></h3><ul><li><p>
Evaluate and monitor the <b>creditworthiness of existing and prospective customers</b></p></li><li><div><br>
Perform detailed analysis of <b>financial statements, credit bureau reports, and risk data</b></div></li><li><p><br>
Recommend <b>credit limits, terms, and risk actions</b> based on assessment outcomes</p></li></ul><h3 class="jobSectionHeader"><b>
Credit Risk Strategy &amp; Policy</b></h3><ul><li><p>
Develop, implement, and periodically enhance <b>credit risk policies and procedures</b></p></li><li><div><br>
Ensure credit risk strategy aligns with <b>business objectives and regulatory requirements</b></div></li><li><p><br>
Advise senior management on <b>risk exposure, trends, and mitigation strategies</b></p></li></ul><h3 class="jobSectionHeader"><b>
Risk Monitoring &amp; Reporting</b></h3><ul><li><p>
Monitor portfolio risk exposure to ensure compliance with <b>internal risk limits</b></p></li><li><div><br>
Prepare <b>risk reports and dashboards</b> highlighting key indicators, trends, and emerging risks</div></li><li><p><br>
Implement and manage <b>automated tools and systems</b> for risk monitoring and reporting</p></li></ul><h3 class="jobSectionHeader"><b>
Stakeholder Management</b></h3><ul><li><p>
Collaborate with <b>underwriting, sales, finance, product, and legal teams</b> to manage credit risk</p></li><li><p><br>
Liaise with <b>credit bureaus, auditors, and regulatory bodies</b> to stay aligned with best practices</p></li></ul><h3 class="jobSectionHeader"><b>
Compliance &amp; Governance</b></h3><ul><li><p>
Ensure adherence to <b>regulatory requirements and industry standards</b></p></li><li><p><br>
Maintain up-to-date knowledge of <b>US credit regulations and compliance frameworks</b></p></li></ul><h3 class="jobSectionHeader"><b>
Training &amp; Development</b></h3><ul><li><p>
Provide guidance and mentorship to <b>junior risk analysts</b></p></li><li><p><br>
Stay current with <b>industry trends, tools, and regulatory developments</b></p></li></ul></div></div><br>
</div><h1 class="jobSectionHeader"><b>
QUALIFICATIONS</b></h1><div></div><div><div><div><p><b><br>
Education:</b> Bachelor&rsquo;s degree in <b>Finance, Economics, Accounting</b>, or a related field ot<br>
Master&rsquo;s degree (MBA / MSc) or professional certifications (<b>FRM, CFA</b>) are preferred</p><p><b>
Skills &amp; Experience:</b></p><ul><li><p>
Minimum <b>5 years of experience</b> in <b>US credit card risk management</b> or related roles</p></li><li><div>
Strong understanding of <b>credit risk analysis, financial modeling, and portfolio management</b></div></li><li><div>
Experience working with <b>US credit bureaus</b> and US credit scoring frameworks</div></li><li><div>
Exposure to <b>credit risk management systems and tools</b></div></li></ul><h3 class="jobSectionHeader"><b>
Technical Skills</b></h3><ul><li><p>
Advanced knowledge of <b>credit scoring models and risk mitigation techniques</b></p></li><li><div>
Proficiency in <b>Excel, SQL, and Python</b></div></li><li><div>
Strong analytical and reporting capabilities</div></li></ul><h3 class="jobSectionHeader"><b>
Soft Skills</b></h3><ul><li><p>
Excellent <b>analytical and problem-solving skills</b></p></li><li><div>
Strong <b>written and verbal communication abilities</b></div></li><li><div>
Ability to engage effectively with <b>senior leadership and external stakeholders</b></div></li><li><div>
High attention to detail and strong organizational skills</div></li></ul></div></div></div></div></div></div><p></p>

Credit Risk Senior Analyst

<p><b>Key Responsibilities:</b></p><ul><li>Evaluate financial data and assess creditworthiness of businesses or individuals</li><li>Manage credit risk and ensure regulatory compliance</li><li>Support credit strategies and guide field teams for aligned growth</li><li>Enforce internal credit policies and Service Level Agreements (SLAs)</li><li>Assess credit applications and determine appropriate limits</li><li>Collaborate with business teams to balance risk and growth</li><li>Prepare reports on regional credit performance and trends</li><li>Apply financial analysis and risk assessment skills</li><li>Maintain expertise in credit policy, collections, and recovery processes</li></ul><p><b>Requirements:</b></p><ul><li>Experienced: Up to 3 years in a similar role within the financial sector</li><li>Fresher: 16 years of education / Degree in Business, Finance, Accounting, or a related field from an HEC-recognized institution</li></ul><p><b>How to Apply:</b></p><ul><li>Interested candidates are encouraged to send their resumes to:</li><li>careers1.hc@gmail.com</li><li><b>CC: </b>careers@humancapitalintl.com</li></ul><p><b>Follow Our Social Accounts for the Latest Job Opportunities!</b></p><ul><li><b>Instagram:</b> https://www.instagram.com/humancapitalhrsolutions/</li><li><b>LinkedIn:</b> https://www.linkedin.com/company/human-capital-hr-solution/</li><li><b>Facebook:</b> https://www.facebook.com/humancapitalhrsolution/</li></ul><p>Job Type: Full-time</p><p>Work Location: In person</p>

Credit Analyst / Credit Risk Management

<div>
 :
 <br/>
 <br/>
 <ul>
  <li>
   Evaluate financial data and assess creditworthiness of businesses or individuals
  </li>
  <li>
   Manage credit risk and ensure regulatory compliance
  </li>
  <li>
   Support credit strategies and guide field teams for aligned growth
  </li>
  <li>
   Enforce internal credit policies and Service Level Agreements (SLAs)
  </li>
  <li>
   Assess credit applications and determine appropriate limits
  </li>
  <li>
   Collaborate with business teams to balance risk and growth
  </li>
  <li>
   Prepare reports on regional credit performance and trends
  </li>
  <li>
   Apply financial analysis and risk assessment skills
  </li>
  <li>
   Maintain expertise in credit policy, collections, and recovery processes
   <br/>
   <br/>
  </li>
 </ul>
 :
 <br/>
 <br/>
 <ul>
  <li>
   Experienced: Up to 3 years in a similar role within the financial sector
  </li>
  <li>
   Fresher: 16 years of education / Degree in Business, Finance, Accounting, or a related field from an HEC-recognized institution
   <br/>
   <br/>
  </li>
 </ul>
 :
 <br/>
 <br/>
 <strong>
  Interested Candidates Are Encouraged To Send Their Resumes To
  <br/>
  <br/>
 </strong>
 careers1.hc@gmail.com
 <br/>
 <br/>
 <strong>
  CC: careers@humancapitalintl.com
  <br/>
  <br/>
 </strong>
 <strong>
  Follow Our Social Accounts for the Latest Job Opportunities!
  <br/>
  <br/>
 </strong>
 <strong>
  Instagram:
 </strong>
 https://www.instagram.com/humancapitalhrsolutions/
 <strong>
  LinkedIn:
 </strong>
 https://www.linkedin.com/company/human-capital-hr-solution/
 <strong>
  Facebook:
 </strong>
 https://www.facebook.com/humancapitalhrsolution/
</div>


<div><p>Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi&rsquo;s institutional clients. ICM&rsquo;s objective is to provide integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise. Within ICM, the Credit Underwriting function (&ldquo;ICM UW&rdquo; or &ldquo;UW&rdquo;) provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking, Services, and Markets relationships.</p><p>
ICM Underwriters manage a portfolio of relationships across NAM Energy, being responsible for the continuous monitoring of that portfolio. That includes the production of annual reviews, quarterly reviews, and the support of ad-hoc transactions and portfolio &amp; industry reviews and stress testing, in partnership with Corporate Banking and Risk. This role reports to NAM Energy Underwriting Manager in Dallas.</p><p></p><p><b>
Key Responsibilities</b></p><p>
Executes, aligned with global and regional strategies, all responsibilities regarding underwriting, including, but not limited to:</p><ul><li>
Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions to development of credit approval memos</li><li>
Drafting of Credit Approval Memo (CAM) packages including but not limited to ensuring they are complete and accurate</li><li>
Conducting initial financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis</li><li>
Support relationships with key stakeholders in Banking and Risk and with key Regulators, Internal Audit, and control functions</li><li>
Support ICM Underwriting organization on strategic initiatives /projects as required</li></ul><p><b>
Risk Management Experience:</b></p><ul><li>
Experience in and exposure to global credit risk management standards</li><li>
Ability to understand financing and product structures</li><li>
Ability to assess financial and industry data to conduct credit assessment</li><li>
Able to discuss and address issues associated with the allocation of risk assets and risk capital in partnership with stakeholders and product organizations.</li></ul><p><b>
Client Relationships / Business Partnership:
</b></p><ul><li>Ability to understand nuances of local markets, local regulation, and the capabilities and practices of competitors</li><li>
Navigates organizational complexity and breaks silos</li><li>
Creates and sustains a network of strong partnerships with the business in all segments &amp; geographies and other risk functions</li><li>
Provides well-reasoned, balanced assessments of risk/return trade-offs associated with transactions and client relationships</li></ul><p></p><p><b>
Qualifications:</b></p><ul><li>
2-5 years relevant experience</li></ul><ul><li>
Experience in effectively engaging with various functions</li><li>
Demonstrates strong ethics and integrity</li><li>
Ability to understand the &lsquo;big picture&rsquo; in a complex environment</li><li>
Strong verbal &amp; written communication skills. Active listening skills</li><li>
Demonstrated influencing and negotiating ability, resolve conflicts amongst various constituencies</li><li>
Proficient presentation skills &ndash; adept at presenting effectively to audiences of various sizes and various constituencies</li><li>
Bachelor&rsquo;s/University degree or equivalent experience</li></ul><p>
-</p><p><b>
Job Family Group:
</b></p>Risk Management<p>
-</p><p><b>
Job Family:</b></p>
Credit Risk<p>
-</p><p><b>
Time Type:</b></p>
Full time<p>
-</p><p><b>
Primary Location:</b></p>
Irving Texas United States<p>
-</p><p><b>
Primary Location Full Time Salary Range:</b></p>
$76,230.00 - $106,370.00<p><br>
In addition to salary, Citi&rsquo;s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental &amp; 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.</p><p>
-</p><p><b>
Most Relevant Skills
</b></p>Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.<p>
-</p><p><b>
Other Relevant Skills
</b></p>For complementary skills, please see above and/or contact the recruiter.<p>
-</p><p><b>
Anticipated Posting Close Date:</b></p>
Dec 29, 2025<p>
-</p><p><i>
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.</i></p><p></p><p><i><br>
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 </i><i>Accessibility at Citi</i><i>.</i><br>
<br>
<i>View Citi&rsquo;s </i><i>EEO Policy Statement</i><i> and the </i><i>Know Your Rights</i><i> poster.</i></p></div>

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