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Citigroup · Mumbai Maharashtra India

# Credit Risk Intermediate Analyst - Commodities - Officer

Mumbai Maharashtra India Full-time Finance & Accounting 

Listed on Citigroup’s official careers site. Posted September 4, 2025. Check that it is still open and apply there.
[Apply on Citigroup’s careers site →](https://citi.wd5.myworkdayjobs.com/2/job/Mumbai-Maharashtra-India/Credit-Risk-Intermediate-Analyst---Commodities---Officer_25905649)

[OpenNash Jobs](https://jobs.opennash.com/) / [Citigroup](https://jobs.opennash.com/companies/citigroup/) / Credit Risk Intermediate Analyst - Commodities - Officer

## Job description

Institutional Credit Management's (“ICM”) mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Independent Risk and Banking, shared commitment to ensuring the safety and soundness of wholesale lending across ICG. ICM Risk Analysis Credit Risk Senior Analysts are responsible for a portfolio of ICG Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio.

That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio & Industry Reviews and Stress Testing. This role has responsibility for the portfolio of Western Europe Corporate Relationships and the role reports directly to the ICM - Commodities Credit Risk Team Lead.

### Responsibilities

Assess the credit and financial strength of Citi’s Large Corporate Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within

Risk appetite Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICG Risk and Banking partners Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios Support ICM Risk Analysis Voice of the Employee (VOE) initiatives Travel (less than 10%)

### Qualifications

Demonstratable financial services experience, including 3-5 years of credit experience in Banking, Credit Risk Management or equivalent credit experience (candidates with background in commodities, energy and natural resources preferred)
- Knowledge of Wholesale Credit
- Processes and organizational awareness including IRAU functions, covered portfolios, and processes Understanding of policies and procedures with the ability to execute change seamlessly Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to identify root causes and trends and anticipate horizon issues Thorough knowledge of Citi´s systems Experience in preparing presentations for seniors Awareness and adherence to the control environment including Quality Assurance and Quality Control
- Assists colleagues in identifying stretch opportunities to elevate individual and team performance
- Proven culture carrier Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority Microsoft Office (Word, Excel, and PowerPoint) skills Education: BCOM/CA or higher degree in Business (MBA), or any other related subject 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 Decisions ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Most Relevant Skills Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ 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. View Citi’s EEO Policy Statement and the Know Your Rights poster.

## At a glance
- Posted by the employer: Sep 4, 2025
- First seen by OpenNash: Oct 13, 2026
- Last checked: Oct 20, 2026
- Listed for: Over a year
- Location: Mumbai Maharashtra India
- Employment type: Full-time[Apply on Citigroup’s careers site →](https://citi.wd5.myworkdayjobs.com/2/job/Mumbai-Maharashtra-India/Credit-Risk-Intermediate-Analyst---Commodities---Officer_25905649)

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