Senior Credit Analyst, Citi Commercial Bank


Location: Melbourne

Job Type: Full time


Citi is a leading global bank with approximately 200 million customer accounts across more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients.

We attract and nurture talents from all over the world, ensuring our people are deeply attuned to local needs and also bring a global mindset to help clients, communities and nations move forward. Our culture is fueled with the passion to push beyond borders and boundaries, and the wisdom and courage to do what is right.

Citi Commercial Bank (CCB) serves corporates with revenue between $75 million and $1 billion delivering Citi’s distinctive global network and product capabilities. CCB’s aim is to act as a trusted thought partner to support our clients’ growth by providing access to the full suite of banking solutions – including lending, trade, cash management, FX and advisory services.

The Senior Credit Analyst is a critical role in supporting the rapid growth of CCB's credit portfolio. Working closely with Relationship Managers and Risk Managers, this role is an integral part of the credit analysis and portfolio management function covering comprehensive credit analysis, portfolio monitoring, end-to-end lending processes, internal and external reporting and other portfolio management initiatives.


  • Proactively manage the credit exposure on a portfolio of mid-large cap corporate clients;

  • Perform due diligence, financial analysis, industry assessment, risk rating determination, structuring and documentation on credit transactions for both new and existing clients;

  • Prepare thorough and accurate credit review packages in accordance with policy standards prior to submission for approval;

  • Foster partnerships with Relationship Managers, Risk, Product, Legal, Operations, Technology and other stakeholders to ensure smooth end-to-end lending processes;

  • Track market and industry developments and their impact on clients;

  • Verify and validate data for various credit monitoring and regulatory reporting requirements;

  • Appropriately assess risk, demonstrating particular consideration for the firm's reputation and safeguarding Citi, its clients and assets.


  • >5 years of relevant experience gained in a credit analysis or risk management role within corporate/commercial or institutional banking;

  • Extensive knowledge of financial accounting, lending principles, loan structuring and documentation;

  • Strong analytical and financial modelling skills to critically dissect company, industry and macro factors and run detailed financial models to produce rigorously supported projection results;

  • Sound understanding of products across Australian loan markets, trade, cash management and derivatives as well as related documentation;

  • Ability to articulate analysis with clear and concise written and verbal communication;

  • Good time management and clarity in thinking when dealing with multiple work streams and tasks in a fast paced environment;

  • Self-motivated, organized and detail oriented;

  • Team player who is able to build relationships with different local, regional and global teams.


  • Undergraduate degree in accounting, business, finance or a related discipline



Job Family Group:

Risk Management


Job Family:

Credit Decisions


Time Type:

Full time


Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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