E-3 Visa Risk Analyst Jobs
Risk Analyst roles qualify for E-3 visa sponsorship as specialty occupations requiring a bachelor's degree in finance, economics, statistics, or a related quantitative field. The E-3 has no lottery and no annual cap, so Australian professionals can start the process as soon as they have a job offer from a U.S. employer.
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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.

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 875+ Risk Analyst jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Risk Analyst roles.
Get Access To All JobsTips for Finding E-3 Visa Sponsorship as a Risk Analyst
Frame your Australian credentials for U.S. employers
A three-year Australian bachelor's degree in finance, actuarial studies, or quantitative economics satisfies the E-3 specialty occupation requirement. Make sure your resume maps your degree field directly to the risk analyst role description so the specialty occupation connection is explicit.
Target industries with established E-3 hiring pipelines
Financial services, insurance, and large technology firms have compliance teams familiar with E-3 sponsorship. Search specifically for risk roles at companies that already employ Australian nationals, as their HR and legal teams will clear the LCA process faster than first-time sponsors.
Search for E-3 sponsorship jobs on Migrate Mate
Migrate Mate filters risk analyst roles by employers with active E-3 sponsorship history. Use Migrate Mate's E-3 filing service to handle your LCA and visa paperwork once you land an offer, covering everything from DOL certification to consulate preparation.
Address FRM or CFA credentials in your application
U.S. risk teams treat the Financial Risk Manager and CFA designations as strong signals of specialty occupation qualification. Listing these alongside your degree strengthens the employer's LCA filing with DOL and reduces the chance of a Request for Evidence at the consulate.
Clarify the LCA timeline before accepting an offer
Your employer must file and receive a certified Labor Condition Application from DOL before you can schedule your visa interview. LCA certification typically takes seven business days, so confirm with your employer that this step is factored into your start date.
Prepare for nonimmigrant intent questions at the consulate
Consular officers assess whether you intend to return to Australia after your E-3 period. Document your ties to Australia, your defined employment scope, and the two-year renewable structure of the visa to demonstrate a clear temporary work intent during your interview.
Risk Analyst jobs are hiring across the US. Find yours.
Find Risk Analyst JobsRisk Analyst E-3 Visa: Frequently Asked Questions
How do I find Risk Analyst jobs with E-3 visa sponsorship?
Migrate Mate is the most direct way to search for risk analyst roles where employers are open to E-3 sponsorship. Most general job platforms don't filter by visa type, so you end up cold-screening hundreds of listings. Migrate Mate surfaces roles matched to E-3 eligibility, saving you the back-and-forth of asking employers whether they'll sponsor.
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 Risk Analyst role qualify as a specialty occupation for the E-3?
Yes, in most cases. USCIS classifies risk analyst positions as specialty occupations when the role requires a bachelor's degree or higher in a specific field such as finance, economics, statistics, or mathematics. Roles that accept any degree regardless of field can face scrutiny, so your job offer letter should state the degree requirement explicitly.
How does the E-3 compare to the H-1B for Risk Analyst positions?
The E-3 has a 10,500 annual allocation that has never been exhausted, so there's no lottery and no wait for a cap slot. The H-1B requires entering a lottery with roughly a 25 percent selection rate for most applicants. Both visas require a specialty occupation determination, but an Australian risk analyst can start the E-3 process immediately after receiving a job offer.
Can I change employers while on an E-3 as a Risk Analyst?
Yes, but you need to restart the process with your new employer. Your new employer must file a fresh LCA with DOL and you'll need to attend a new consulate interview or file a change of status if you're already in the U.S. You can't simply transfer your existing E-3 to a new employer the way some other visa types allow.
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