E-3 Visa Credit Risk Analyst Jobs
Credit Risk Analyst roles qualify for E-3 visa sponsorship as specialty occupations requiring a bachelor's degree in finance, economics, or a related quantitative field. The E-3 has no lottery, so Australian professionals can accept offers year-round and renew indefinitely as long as they hold a qualifying position.
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Get Access To All JobsJob Req Id:
26958059
Location(s):
Irving, Texas, United States, Chicago, Illinois, United States
Job Type:
Hybrid
Posted:
Apr. 24, 2026
Discover your future at Citi
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.
Job Overview
Citi’s Commercial Lending Management (CLM) organization is a critical, in‑business credit function within Citi’s U.S. Commercial Bank. CLM partners closely with Relationship Managers and Independent Risk to deliver disciplined credit underwriting, portfolio oversight, and client‑focused lending solutions for commercial clients across North America.
We are seeking a Senior Credit Risk Analyst (AVP) to join the Business & Professional Services team in Irving, Texas or Chicago, IL, one of Citi’s primary U.S. hubs for commercial credit and risk. This role supports the end‑to‑end lending lifecycle, working closely with Credit Officers and relationship teams to analyze, structure, and monitor credit exposures within a diversified commercial portfolio.
This position is well suited for experienced credit professionals looking to expand underwriting responsibility, gain greater portfolio exposure, and progress toward senior credit leadership roles within a global financial institution.
Role Overview
The Senior Credit Risk Analyst partners directly with a Credit Officer to support credit underwriting, transaction execution, and ongoing portfolio monitoring. The role combines detailed financial analysis with increasing judgment and ownership, while operating within Citi’s global credit standards and U.S. regulatory framework.
Key Responsibilities
Credit Underwriting & Analysis:
- Support the end‑to‑end lending process for new and existing commercial relationships
- Prepare and maintain high‑quality credit analysis and underwriting materials to support approval decisions
- Perform financial statement analysis, cash‑flow assessment, industry analysis, and transaction diligence
- Support annual and quarterly credit reviews for the assigned portfolio
Portfolio Monitoring & Risk Management:
- Monitor portfolio performance, covenant compliance, and exposure levels
- Identify emerging risks and escalate issues with recommended actions
- Support accurate risk ratings, regulatory classifications, and early‑warning processes
Execution & Stakeholder Partnership:
- Facilitate amendments, renewals, and other credit requests in coordination with Credit Officers and Relationship Managers
- Support the loan documentation process, partnering with internal teams and external legal counsel
- Participate in internal and client discussions related to credit matters
Development & Continuous Improvement:
- Build expertise in Business & Professional Services industry drivers and credit risk considerations
- Mentor junior analysts and support team skill development efforts
- Contribute to process improvements that enhance efficiency and credit discipline
Qualifications & Experience
- 3+ years of experience in commercial credit underwriting, credit analysis, portfolio management, or risk
- Bachelor’s degree in Finance, Accounting, Economics, or a related field
- Solid understanding of financial statements and core credit fundamentals
- Strong written, verbal, and organizational skills
- Ability to manage multiple priorities in a fast‑paced, deadline‑driven environment
- Experience within a large or regional financial institution
- Exposure to Business & Professional Services or similar commercial industries
- Advanced degree or professional certification a plus, but not required
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:
$96,400.00 - $144,600.00
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.
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:
May 01, 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.
Job Req Id:
26958059
Location(s):
Irving, Texas, United States, Chicago, Illinois, United States
Job Type:
Hybrid
Posted:
Apr. 24, 2026
Discover your future at Citi
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.
Job Overview
Citi’s Commercial Lending Management (CLM) organization is a critical, in‑business credit function within Citi’s U.S. Commercial Bank. CLM partners closely with Relationship Managers and Independent Risk to deliver disciplined credit underwriting, portfolio oversight, and client‑focused lending solutions for commercial clients across North America.
We are seeking a Senior Credit Risk Analyst (AVP) to join the Business & Professional Services team in Irving, Texas or Chicago, IL, one of Citi’s primary U.S. hubs for commercial credit and risk. This role supports the end‑to‑end lending lifecycle, working closely with Credit Officers and relationship teams to analyze, structure, and monitor credit exposures within a diversified commercial portfolio.
This position is well suited for experienced credit professionals looking to expand underwriting responsibility, gain greater portfolio exposure, and progress toward senior credit leadership roles within a global financial institution.
Role Overview
The Senior Credit Risk Analyst partners directly with a Credit Officer to support credit underwriting, transaction execution, and ongoing portfolio monitoring. The role combines detailed financial analysis with increasing judgment and ownership, while operating within Citi’s global credit standards and U.S. regulatory framework.
Key Responsibilities
Credit Underwriting & Analysis:
- Support the end‑to‑end lending process for new and existing commercial relationships
- Prepare and maintain high‑quality credit analysis and underwriting materials to support approval decisions
- Perform financial statement analysis, cash‑flow assessment, industry analysis, and transaction diligence
- Support annual and quarterly credit reviews for the assigned portfolio
Portfolio Monitoring & Risk Management:
- Monitor portfolio performance, covenant compliance, and exposure levels
- Identify emerging risks and escalate issues with recommended actions
- Support accurate risk ratings, regulatory classifications, and early‑warning processes
Execution & Stakeholder Partnership:
- Facilitate amendments, renewals, and other credit requests in coordination with Credit Officers and Relationship Managers
- Support the loan documentation process, partnering with internal teams and external legal counsel
- Participate in internal and client discussions related to credit matters
Development & Continuous Improvement:
- Build expertise in Business & Professional Services industry drivers and credit risk considerations
- Mentor junior analysts and support team skill development efforts
- Contribute to process improvements that enhance efficiency and credit discipline
Qualifications & Experience
- 3+ years of experience in commercial credit underwriting, credit analysis, portfolio management, or risk
- Bachelor’s degree in Finance, Accounting, Economics, or a related field
- Solid understanding of financial statements and core credit fundamentals
- Strong written, verbal, and organizational skills
- Ability to manage multiple priorities in a fast‑paced, deadline‑driven environment
- Experience within a large or regional financial institution
- Exposure to Business & Professional Services or similar commercial industries
- Advanced degree or professional certification a plus, but not required
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:
$96,400.00 - $144,600.00
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.
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:
May 01, 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.
See all 51+ Credit Risk Analyst jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Credit Risk Analyst roles.
Get Access To All JobsTips for Finding E-3 Visa Sponsorship as a Credit Risk Analyst
Translate your Australian credentials for U.S. hiring managers
A three-year Australian bachelor's degree in finance or economics satisfies the E-3 degree requirement, but your résumé should explicitly state the field of study and institution so hiring managers and DOL don't flag a credential gap during LCA review.
Target banks and fintechs with active LCA filing histories
Search the DOL's Office of Foreign Labor Certification disclosure data to identify financial services employers who have filed LCAs for Credit Risk Analyst roles. Prior filings signal the employer already understands the E-3 sponsorship process and has internal HR capacity to move quickly.
Search Migrate Mate for E-3-ready credit risk roles
Use Migrate Mate to filter Credit Risk Analyst openings by employers with active E-3 sponsorship history. This cuts out the research time of cold-contacting employers who have never sponsored an Australian visa holder.
Clarify the specialty occupation link in your offer letter
Your job offer must specify that a bachelor's degree in a directly related field is required for the role. Generic language like 'degree preferred' can cause a USCIS challenge to the specialty occupation classification, so ask your employer to tighten the language before the LCA is filed with DOL.
Start the LCA before you give notice in Australia
DOL typically certifies LCAs within seven business days, but your employer must post a public notice for ten consecutive business days before filing. Factor this into your timeline so you're not carrying two competing start-date commitments when the visa appointment opens up.
Use Migrate Mate's E-3 filing service to handle your LCA and visa paperwork
Once you have a signed offer, Migrate Mate's E-3 filing service manages the LCA submission, DS-160 preparation, and consulate documentation so your employer doesn't need to engage a separate immigration attorney to get the sponsorship process moving.
Credit Risk Analyst jobs are hiring across the US. Find yours.
Find Credit Risk Analyst JobsCredit Risk Analyst E-3 Visa: Frequently Asked Questions
Where can I find Credit Risk Analyst jobs with E-3 visa sponsorship?
Migrate Mate is the most direct way to search for Credit Risk Analyst roles where employers have active E-3 sponsorship history. Because the E-3 requires an employer-filed LCA before your consulate appointment, searching specifically for employers who have sponsored Australians before saves significant time compared to cold-applying and then educating HR about the visa process from scratch.
How much does it cost to get an E-3 visa?
Migrate Mate's E-3 filing service covers the entire process for $499, including the Labor Condition Application, visa document preparation, and consulate appointment guidance. Traditional immigration lawyers charge $2,000–$5,000+ for the same work. The E-3 has less paperwork than most work visas, so paying thousands for legal help is usually unnecessary.
Does a Credit Risk Analyst role qualify as a specialty occupation for the E-3?
Yes, provided the position requires a bachelor's degree or higher in a directly related field such as finance, economics, mathematics, or statistics. If the job description accepts any bachelor's degree regardless of field, USCIS may question the specialty occupation classification. Ask the employer to confirm the degree requirement is field-specific before the LCA is submitted to DOL.
How does the E-3 compare to the H-1B for Credit Risk Analyst roles?
The E-3 has a 10,500-visa annual allocation that has never been fully used, so there's no lottery and no random selection risk. H-1B requires registration in a March lottery with roughly a 25% selection rate. For an Australian in a Credit Risk Analyst role, the E-3 means you can accept an offer and apply at any consulate year-round, without waiting up to 12 months for a lottery result.
Can I switch Credit Risk Analyst employers while on an E-3?
Yes, but the new employer must file a new LCA with DOL before you start work with them. The E-3 is tied to the employer and role, not just your status, so there's no portability rule like the one that exists for H-1B holders. You can work for the new employer once the new LCA is certified and your visa reflects the updated employer, or you obtain a new E-3 stamp at a consulate.
See which Credit Risk Analyst employers are hiring and sponsoring visas right now.
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