Citi Credit Portfolio Senior Analyst in Buffalo, New York

  • Primary Location: United States,New York,Buffalo

  • Education: Bachelor's Degree

  • Job Function: Risk Management

  • Schedule: Full-time

  • Shift: Day Job

  • Employee Status: Regular

  • Travel Time: Yes, 10 % of the Time

  • Job ID: 18071707


About Citi

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients.

Citi’s Mission and Value Proposition at explains what we do and Citi Leadership Standards at explain how we do it. Our mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. We strive to earn and maintain our clients’ and the public’s trust by constantly adhering to the highest ethical standards and making a positive impact on the communities we serve. Our Leadership Standards is a common set of skills and expected behaviors that illustrate how our employees should work every day to be successful and strengthens our ability to execute against our strategic priorities.

Diversity is a key business imperative and a source of strength at Citi. We serve clients from every walk of life, every background and every origin. Our goal is to have our workforce reflect this same diversity at all levels. Citi has made it a priority to foster a culture where the best people want to work, where individuals are promoted based on merit, where we value and demand respect for others and where opportunities to develop are widely available to all.


The successful candidate will be expected to analyze and manage a portfolio of customers and related risk exposures of Citi Community Capital (CCC). CCC provides a suite of financial products to help affordable housing developers construct, rehabilitate, refinance, and acquire affordable multifamily housing across the country and finances both straightforward and highly structured transactions for non-profit and for-profit affordable housing developers, Community Development Financial Institutions, and state and local government agencies. This role will directly support the CCC risk management team, covering a designated portfolio of assigned clients and will be responsible for:

  • The completion of annual, interim, and initial credit reviews for the covered portfolio, including material transaction memos as needed

  • Gather required data in order to complete the credit review by utilizing credit systems and public data tools (e.g. Bloomberg, Moody's, S&P, and EMMA).

  • Assist with initial and ongoing credit due diligence and establishing/monitoring credit limits

  • Point of contact for incoming credit and legal documentation requests, liaising with product management/relationship management/legal/support areas

  • Complete ad-hoc projects, assignments and reports as required and requested such as: the preparation of portfolio exposure data, portfolio reviews, stress testing, trigger monitoring (if and when applicable)

  • Develop an understanding of financial and capital markets transactions and how they generate risk exposure, and how this affects extensions of credit to varied clients

  • Develop a degree of technical and policy understanding with respect to credit risk, ICG risk policy and Citi's internal policies.

  • Streamline processes and procedures to be more reflective of current market conditions and to promote efficiency within the industry


The ideal candidate will be an experienced, goal oriented individual with a proven track record of success and leadership. The candidate should also possess the following:

  • 3 to 5+ years of previous work experience in Credit, Risk Management, or a related field

  • Solid understanding of financial accounting principals and knowledge of how to analyze a customer balance sheet, income statement, and cash flow statement

  • Working knowledge of capital markets trading and lending products, including derivatives

  • Experience/knowledge of Risk systems including Citirisk Approvals, CRC, PST, and Facility Management is highly beneficial

  • Advanced working knowledge of Microsoft Excel, PowerPoint and Word

  • Strong communication skills, used to collaborate with remote/virtual working groups as well as to present to senior management

  • Motivated and confident with a desire to drive positive change for the group and the company as a whole

  • Attention to detail; unaffected by high pressure situations

  • Quantitative and qualitative analytical skills

  • Formal credit training with experience working in a global financial institution

  • Real sense for how to build and support business growth

  • Active problem solver

  • Results oriented, resourceful, and adaptable to change

Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.