Credit Analyst – Energy (Institutional Credit Management)

Citi•Irving, TX

23h•Onsite

About The Position

Citi continues to strengthen its Institutional Credit Management (ICM) organization as a core first line of defense for wholesale credit risk across Corporate Banking, Markets, and Services. ICM delivers consistent, end‑to‑end credit analysis, underwriting support, and portfolio monitoring for institutional clients globally. We are seeking a Credit Analyst to join the North America Energy Underwriting team based in Irving, Texas, Citi’s primary U.S. hub for Energy credit risk. This role supports credit underwriting and ongoing portfolio monitoring for a diversified set of Energy and Natural Resources clients, partnering closely with Energy bankers and Risk teams. This position is ideal for candidates with 2–5 years of experience who want hands‑on exposure to Energy credit analysis and a clear path toward Senior Analyst and AVP‑level underwriting roles. The Credit Analyst supports the end‑to‑end credit underwriting process for Energy sector clients. Responsibilities include financial analysis, preparation of credit approval materials, portfolio monitoring, and transaction support. The role reports to the NAM Energy Underwriting Manager and works closely with Corporate Banking and Independent Risk partners.

Requirements

2–5 years of relevant experience in credit analysis, underwriting support, financial analysis, or related roles
Strong analytical skills with the ability to interpret financial statements and cash flows
Ability to assess industry and market data to support credit decisions
Strong written and verbal communication skills
Bachelor’s degree in Finance, Accounting, Economics, Engineering, or a related field (or equivalent experience)
Exposure to Energy, Oil & Gas, Power, or Natural Resources sectors
Familiarity with reserve‑based lending (RBL), project finance, or Energy credit structures
Experience working in a large, matrixed financial institution

Responsibilities

Support credit underwriting from early transaction discussions through approval
Prepare and update Credit Approval Memoranda (CAMs), ensuring accuracy and policy compliance
Conduct financial statement analysis, projection modeling, stress testing, and risk ratings
Support annual and quarterly credit reviews for the assigned Energy portfolio
Assist with new transactions, renewals, amendments, and ad‑hoc credit requests
Monitor covenant compliance, exposure changes, and early warning indicators
Participate in portfolio and industry reviews, including stress‑testing exercises
Partner with Energy bankers, Independent Risk, Compliance, and Internal Audit
Apply Citi’s global credit standards while considering U.S. Energy market dynamics
Support regulatory and internal review processes as required
Contribute to underwriting process enhancements and best practices
Build Energy sector expertise through deal exposure and portfolio analysis
Develop strong working relationships across business and risk teams