Credit Analyst – Commercial Banking (Consumer & Retail Products)
Citi is a global financial institution and is seeking a motivated Credit Analyst to join their North America CLM Consumer & Retail Products team in Chicago. The role supports the end-to-end lending lifecycle for an assigned portfolio, involving underwriting support, financial analysis, documentation, and ongoing portfolio monitoring across a range of commercial lending products. 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 Skills 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 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 Company Overview Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. It was founded in 1812, and is headquartered in San Antonio, Texas, USA, with a workforce of 10001+ employees. Its website is Company H1B Sponsorship Citi has a track record of offering H1B sponsorships, with 276 in 2026, 1386 in 2025, 849 in 2024, 1375 in 2023, 1117 in 2022, 876 in 2021, 901 in 2020. Please note that this does not guarantee sponsorship for this specific role.