Citi — Underwriting Credit Risk, Credit Analyst

Job Req ID: 26986386
Location: Dar es Salaam, Tanzania
Work Arrangement: Hybrid
Job Type: Full-time
Job Family Group: Risk Management
Job Family: Credit Risk
Posted: 2 September 2026

About the Role

Citi is seeking an Underwriting Credit Analyst within its Institutional Credit Management (ICM) organization. The role focuses on credit risk analysis, monitoring, and credit administration for Citi’s wholesale lending portfolio.

The successful candidate will manage credit risk analysis for a portfolio of corporate relationships and support activities such as:

• Initial Credit Approvals
• Transaction Approvals
• Annual Reviews
• Quarterly Reviews
• Portfolio and Industry Reviews
• Stress Testing
• Continuous credit-risk monitoring

Key Responsibilities

1. Credit & Financial Analysis

• Assess the financial and credit strength of large corporate, public-sector, and financial-institution clients.
• Perform quantitative and qualitative credit analysis.
• Analyze financial statements, cash flows, projections, liquidity, and leverage.
• Evaluate complex corporate structures, including foreign subsidiaries and parent organizations.

2. Credit Risk Assessment

• Prepare detailed credit analysis write-ups.
• Assign internal credit risk ratings based on independent assessment and judgment.
• Conduct client due diligence and incorporate industry knowledge into credit decisions.

3. Portfolio Monitoring

• Continuously monitor the assigned credit portfolio.
• Track industry trends and their potential impact on client relationships.
• Identify emerging credit risks and escalate potential issues to Underwriting, Risk, and Banking teams.

4. Stakeholder Collaboration

• Work with regional and industry stakeholders across Banking and Independent Risk.
• Support implementation of credit assessment and portfolio-monitoring standards.
• Contribute to other activities supporting Citi’s business and risk-management objectives.

Required Experience

Citi is looking for candidates with:

• 3–5 years of credit experience in banking, credit risk management, or an equivalent area.
• Demonstrable financial-services experience.
• Strong analytical and financial-analysis skills.
• Understanding of:
  • Liquidity
  • Leverage
  • Financial statements
  • Cash flow
  • Financial projections
  • Industry and competitive analysis
• Ability to identify root causes, trends, and emerging/horizon risks.
• Strong industry research capabilities.
• Experience analyzing corporate, public-sector, or financial-institution risk is an advantage.
• Strong written, verbal, and interpersonal communication skills.

Education

Required:

• Bachelor’s degree or equivalent experience.

Advantage:

• MBA or another relevant higher degree in Business or a related discipline.

CLICK/TAP HERE TO APPLY: