About the role
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.
Role Overview
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.
Key Responsibilities
Credit Analysis & Underwriting Support
- 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
Portfolio & Transaction Support
- 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
Risk & Stakeholder Collaboration
- 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
Development & Continuous Improvement
- 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
Required Experience & Qualifications
- 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
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Job Family Group:
Risk Management------------------------------------------------------
Job Family:
Credit Risk------------------------------------------------------
Time Type:
Full time------------------------------------------------------
Primary Location:
Irving Texas United States------------------------------------------------------
Primary Location Full Time Salary Range:
$76,230.00 - $106,370.00
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.
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Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.------------------------------------------------------
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------
Anticipated Posting Close Date:
Apr 27, 2026------------------------------------------------------
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.
View Citi’s EEO Policy Statement and the Know Your Rights poster.
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About Citigroup
Citi, also known as Citigroup Inc., is a global financial services corporation that provides a wide range of financial products and services to consumers, corporations, governments, and institutions.
