Credit Risk Associate - Assistant Vice President

Citi • Houston, TX

1d

About The Position

Perform fundamental credit analysis of counterparties in the Commodities sector using quantitative and qualitative factors, including market dynamics and regulatory considerations. Monitor the covered portfolio continuously, including tracking commodity price volatility, supply/demand fundamentals, and geopolitical risks; promptly escalate potential credit concerns. Review and recommend risk ratings across the Commodities Counterparty portfolio. Support senior Underwriters on all activities related to the assigned coverage including new transaction approvals, review of trade structures and exposures, writing of credit memos and credit administration. Risk & Credit Underwriting Strong analytical skills with ability to assess liquidity, leverage, and cash flow under volatile commodity price environments. Ability to form independent credit opinions and identify risks in derivative transactions and physical trading of commodities. Advanced understanding of financial statements, GAAP accounting, and financial spreading including calculation and analysis of key credit ratios. Expertise in industry research, including commodity market drivers, regulatory frameworks, and counterparty risk factors. Solid experience understanding Credit Policy and ability to benchmark transactions against internal standards. Proactive identification and escalation of potential risk issues. Embraces change and continuous improvement with curiosity and adaptability. Professional, reliable, and actively engaged in team discussions. Experience with internal credit systems, templates, and financial modeling tools.

Requirements

• Strong analytical skills with ability to assess liquidity, leverage, and cash flow under volatile commodity price environments.
• Ability to form independent credit opinions and identify risks in derivative transactions and physical trading of commodities.
• Advanced understanding of financial statements, GAAP accounting, and financial spreading including calculation and analysis of key credit ratios.
• Expertise in industry research, including commodity market drivers, regulatory frameworks, and counterparty risk factors.
• Solid experience understanding Credit Policy and ability to benchmark transactions against internal standards.
• Proactive identification and escalation of potential risk issues.
• Embraces change and continuous improvement with curiosity and adaptability.
• Professional, reliable, and actively engaged in team discussions.
• Experience with internal credit systems, templates, and financial modeling tools.
• Bachelor's degree in Accounting, Finance, Economics, or related field.
• 5-8 years of credit experience in Banking or Credit Risk Management, preferably with exposure to Commodities markets and derivative products.

Responsibilities

• Perform fundamental credit analysis of counterparties in the Commodities sector using quantitative and qualitative factors, including market dynamics and regulatory considerations.
• Monitor the covered portfolio continuously, including tracking commodity price volatility, supply/demand fundamentals, and geopolitical risks; promptly escalate potential credit concerns.
• Review and recommend risk ratings across the Commodities Counterparty portfolio.
• Support senior Underwriters on all activities related to the assigned coverage including new transaction approvals, review of trade structures and exposures, writing of credit memos and credit administration.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 5,001-10,000 employees