Job description

The Underwriting Credit Analyst – Officer at Citi in Dubai is responsible for performing credit risk analysis and portfolio monitoring for Citi’s corporate clients across Sub-Saharan Middle East and North Africa. The role focuses on evaluating the credit and financial strength of corporate counterparties through detailed quantitative and qualitative analysis. Key tasks include preparing credit analysis write-up memos, assigning internal risk ratings, and conducting due diligence on client financials and industry positioning to support appropriate extensions of credit within Citi’s risk appetite. The analyst manages ongoing monitoring of the assigned portfolio by tracking financial performance, identifying early warning signals, and escalating potential risk issues to senior underwriters and risk partners. Additional responsibilities include supporting annual, quarterly, and ad-hoc credit reviews, as well as portfolio and industry assessments. The position requires working collaboratively with regional and industry stakeholders in Banking and Independent Risk to implement consistent credit assessment and monitoring standards across the portfolio. Candidates are expected to possess strong analytical and organizational skills, the ability to interpret liquidity and leverage metrics, and proficiency in Microsoft Office tools for analysis and presentation. The role demands familiarity with Citi’s internal policies and an ability to execute procedural changes effectively. Strong interpersonal and communication skills are essential for building internal partnerships and influencing decision-making across multiple business lines.