EXPLORE YOUR NEXT CHAPTER
Credit Officer
Citibank, N.A. United Kingdom
Source: Headcount Labs · original listing ↗
Job data: Headcount Labs, ODbL 1.0. Job descriptions belong to their employers.
Source date: 11/9/2026
About this role
The Credit Portfolio Senior Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally. This is an in-Business Credit Risk role covering the Asset Backed Securities and Credit Financing in EMEA. Responsibilities: * Approving, managing and reporting risk exposures to structured vehicles backed by various asset classes including Consumer Assets, Commercial Assets, Broadly Syndicated Loans and Middle Market Exposures. This will include complex highly structured financial transactions including securitization funding facilities and derivatives exposures with securitization SPE’s * Perform in-depth fundamental credit analysis, by monitoring asset portfolios alongside a company’s financial performance, risk metrics and compliance with financial covenants (annual reviews and new credit approvals) * Responsibilities include research, credit analysis, risk rating assessment, coordinating deal closings and active monitoring of the portfolio to identify credit migration * Analyze transactions to provide high quality credit opinions. Contribute to the timely completion of portfolio reviews, and portfolio stress tests for senior risk and business management * Conducting on-site reviews of servicers and originators Participate in customer calls, attend site meetings and assist with development of account strategies * Generate reports as required to highlight portfolio metrics for internal and external regulators * Work with CRMS, Credit Risk Operations and Global Reporting to make sure credit risk positions are accurately reported in credit systems Qualifications: * Experience in credit risk analysis or corporate banking * Knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution * Strong analytical and quantitative skills with ability to perform, review or critique credit analysis on complex transactions * Strong writing, presentation and interpersonal skills * Proven ability to work with little direction and in a team * Excellent attention to detail * Willingness to learn new products and programs * Demonstrated accountability, self-motivation and business acumen Education: * Bachelor's degree/University degree or equivalent experience *What We Offer* * *Opportunities to grow your career locally and collaborate with colleagues across Citi's global network.* * *A hybrid working model that balances in-office collaboration with remote flexibility.* * *Investment in your professional development through training programmes, mentorship, and skill-building opportunities.* * *Employee wellbeing support including medical coverage, mental health resources, parental leave, and family support programmes.* * *Competitive retirement contributions and investment options to support your long-term financial goals.* This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Credit Risk ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Most Relevant Skills Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle. ------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ *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.*