Portfolio Credit Risk Management 2nd LOD Sr. Analyst, AVP

Citi • Irving, TX

4d • $96,400 - $144,600 • Onsite

About The Position

The Portfolio Credit Risk Management 2nd LOD Sr. Analyst is a role within the Second Line of Defense (2nd LOD) risk organization. The role applies in-depth specialty knowledge in monitoring, assessing, analyzing, and evaluating credit risk across portfolios — with a specific focus on Wealth Wholesale Structured Products. This role integrates established disciplinary knowledge within credit risk management. The Sr. Analyst demonstrates good judgment in navigating risk scenarios, interacts cross-functionally with business partners, and contributes meaningfully to the overall risk governance framework.

Requirements

• 3–5 years of experience in credit risk management, portfolio risk analysis, financial analysis, or a related discipline within a financial institution; prior exposure to a risk oversight or control function is a plus.
• Familiarity with Wealth Management or Wholesale Structured Products is an advantage, though candidates with broader credit risk or financial products experience will be considered.
• Exposure to Manager's Control Assessment (MCA) processes, internal control documentation, or compliance/audit evidence collection is preferred; willingness to learn and develop expertise in this area is equally valued.
• Experience maintaining project trackers, task logs, or similar organizational tools (e.g., Excel, SharePoint, or equivalent platforms); demonstrated ability to manage multiple workstreams, deadlines, and priorities simultaneously.
• Foundational understanding of credit risk principles, financial analysis, and portfolio monitoring concepts; knowledge credit risk frameworks is a plus.
• Ability to interpret financial data, credit metrics, and portfolio analytics to support risk identification and reporting.
• Strong organizational skills and attention to detail, with the ability to maintain accurate and up-to-date documentation and reporting tools.
• Clear and effective written and verbal communication skills.
• Self-starter with the ability to work independently, take ownership of assigned tasks, and proactively flag issues or delays.
• Bachelor's/University degree in Finance, Accounting, Economics, or a related field required.

Nice To Haves

• Master's degree or professional certification is a plus.

Responsibilities

• Support the preparation of portfolio discussions and monitoring activities for Wealth Wholesale Structured Products, including the development of materials for risk forum meetings, senior management reviews, and periodic portfolio monitoring.
• Monitor and assess credit risk trends, concentrations, and emerging risks within the Wealth Wholesale Structured Products portfolio, providing timely and actionable insights to senior risk officers and business stakeholders.
• Support the maintenance of credit risk monitoring frameworks, including supplemental monitoring metrics.
• Interpret financial data, credit metrics, and portfolio analytics to support risk identification, assessment, and escalation processes.
• Collect, organize, and maintain Manager's Control Assessment (MCA) evidence, ensuring documentation is complete, accurate, and aligned with internal control standards and regulatory expectations.
• Assist in the execution of MCA testing activities, tracking control gaps, remediation actions, and evidence submissions in a timely and structured manner.
• Maintain and keep up to date the team's project tracker, a project management tool shared with senior management that consolidates all ongoing projects and recurrent activities, including target dates, milestones, and status updates; ensure the tracker accurately reflects current progress and is a reliable reference for prioritization and senior management visibility.
• Collaborate with Credit Officers, Product Managers, Risk Managers, and other stakeholders to ensure alignment on credit risk standards and portfolio management objectives.

Benefits

• medical, dental & vision coverage
• 401(k)
• life, accident, and disability insurance
• wellness programs
• paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level