Credit Analyst – Commercial Banking (Consumer & Retail Products)

Citi • Chicago, IL

3d

About The Position

Citi’s Commercial Bank (CCB) for the North American (NAM) region is a rapidly growing business, targeting emerging, mid- and larger-sized companies based in the United States or Canada, with annual revenue generally from $20 million to $1 billion plus. To facilitate the CCB’s wholesale lending activities, Commercial Lending Management (CLM) serves as an in-business credit function organized around our strategic industries and global target market approach. CLM plays a critical role of the client delivery model for the CCB, translating thought-leadership, industry and product expertise, and an end-to-end ownership of the credit relationship into best-in-class lending solutions. Citi’s U.S. Commercial Bank (CCB) is a rapidly growing platform serving emerging, mid‑market, and larger companies across the U.S. and Canada, typically with revenues from $20MM to $1B+. At the center of CCB’s lending model is Commercial Lending Management (CLM)—an in‑business credit organization that partners closely with Relationship Managers and Independent Risk to deliver disciplined underwriting, strong portfolio management, and client‑focused lending solutions. We are seeking a motivated Credit Analyst to join the North America CLM Consumer & Retail Products team in Chicago, a key Citi commercial banking and credit hub. This role reports to the U.S. CLM Retail & Consumer Products Team Lead and offers hands‑on exposure to commercial credit underwriting, portfolio monitoring, and structured deal execution. This is an excellent opportunity for early‑career professionals looking to build a strong foundation in commercial credit analysis within a global financial institution. Role Overview The Credit Analyst supports the end‑to‑end lending lifecycle for an assigned portfolio by partnering closely with a Credit Officer, Relationship Managers, and Independent Risk. Responsibilities span underwriting support, financial analysis, documentation, and ongoing portfolio monitoring across a range of commercial lending products. The role emphasizes learning, analytical development, and increasing responsibility over time—while contributing meaningfully to credit decisions and portfolio oversight.

Requirements

• 1-3 years of banking, finance or related experience in credit underwriting, portfolio and/ or risk management with a multinational financial services organization
• Knowledge of basic accounting and financial concepts and their practical application in the credit underwriting process
• Excellent communication (written, verbal, presentation and listening) and organizational skills; ability to complete multiple priorities in a timely manner
• Demonstrates learning agility: seeks out resources and experience to continually build knowledge/skills; quickly and successfully applies learning to new situations
• Proficient in spreadsheet, word processing and presentation applications, including strong data visualization skills

Responsibilities

• Support underwriting for new and existing commercial clients, including initial deal screening, financial analysis, and due diligence
• Prepare clear, well‑supported credit analysis to help inform approval decisions
• Assist with amendments, renewals, annual reviews, and other credit‑related requests
• Support ongoing monitoring of the portfolio through quarterly and annual reviews
• Track covenant compliance, financial performance, and early risk indicators
• Escalate potential issues and support timely risk mitigation actions
• Assist with the loan documentation process for new transactions and modifications
• Coordinate with internal partners and external counsel to ensure approved terms are accurately reflected in final documents
• Participate in client and internal meetings alongside Credit Officers and Relationship Managers
• Build working relationships with product partners, risk colleagues, and coverage teams
• Develop a strong understanding of commercial credit products and industry drivers within the Consumer & Retail sector
• Contribute to process improvements that enhance efficiency, controls, and execution quality
• Support and mentor more junior resources as appropriate

Benefits

• In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards.
• Citi offers competitive employee benefits, including: medical, dental & 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: No Education Listed