Credit Risk Analyst Jobs for OPT Students
Credit Risk Analyst roles are a strong fit for F-1 OPT students with finance, economics, or statistics backgrounds. Most positions qualify as STEM OPT extensions under CIP codes like Financial Mathematics or Data Science, giving you up to 36 months of work authorization to build your career in U.S. financial services.
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Get Access To All JobsThe Institutional Credit Management (ICM) team is a critical component of Citi's risk management framework. ICM is a first line of defense function responsible for assessing and managing credit risk across the organization. This includes providing oversight of lending activities, monitoring portfolio performance, and ensuring compliance with internal policies and regulatory requirements. The ICM team plays a vital role in maintaining the stability and soundness of Citi's credit portfolio.
Job Summary:
The Collateral Risk Analyst is responsible for supporting the credit risk management oversight of collateral eligibility and risk mitigation strategies across various businesses. This role involves performing reviews of collateral schedules, analyzing the adequacy of collateral coverage and associated metrics, identifying potential risks, including wrong way risk, associated with collateral, and contributing to the development of collateral risk management policies and procedures. The analyst will work closely with credit officers, portfolio managers, and other risk management professionals to ensure Citi maintains a robust collateral risk management framework.
Key Responsibilities:
Collateral Review and Validation:
- Perform reviews of collateral schedules and terms to ensure accuracy, completeness, and compliance with regulatory requirements and internal policies.
- Validate collateral eligibility based on established criteria, including legal documentation, asset class and other applicable metrics.
- Assess the adequacy of collateral coverage relative to loan amounts for given metrics and terms.
Risk Identification and Assessment:
- Identify and assess potential risks associated with collateral, such as market stress and wrong way risk, in conjunction with regulatory requirements.
- Evaluate the impact of these risks on counterparty exposure on the overall credit portfolio.
- Develop and implement strategies to mitigate identified collateral risks.
Portfolio Monitoring and Reporting:
- Monitor collateral performance across various businesses, identifying trends and potential areas of concern.
- Prepare regular reports on collateral risk exposures, including concentrations, exceptions, etc.
Data Analysis and Reporting:
- Extract and analyze data related to collateral, and market trends.
- Develop and maintain databases and analytical tools to support collateral risk management activities.
- Prepare reports and presentations summarizing collateral risk exposures and performance.
Policy and Procedure Development:
- Contribute to the development and maintenance of collateral risk management policies, procedures, and guidelines.
- Ensure that policies and procedures are aligned with regulatory requirements and industry best practices.
- Provide training and guidance to credit officers and other stakeholders on collateral risk management practices.
Regulatory Compliance:
- Stay abreast of relevant regulations and guidance related to collateral eligibility, risk management, and valuation.
- Ensure that collateral risk management practices comply with applicable regulatory requirements, including those issued by the OCC and FRB.
- Assist with internal and external audits related to collateral risk management.
Collaboration and Communication:
- Collaborate with business, credit officers, legal counsel, and other stakeholders to address collateral-related issues and concerns.
- Communicate effectively with internal and external parties regarding collateral requirements, policies, and procedures.
- Participate in industry forums and professional development activities to stay current on collateral risk management trends and best practices.
Qualifications
Education: Bachelor's degree in finance, economics, or a related field. Advanced degree or professional certification (e.g., CFA, FRM) preferred.
Experience:
- 3+ years of experience in credit risk management, collateral risk, capital or liquidity, or a related field a plus.
- Experience with regulatory requirements related to collateral risk management (e.g. Uncleared Margin Rules).
Skills:
- Strong analytical and problem-solving skills.
- Excellent written and verbal communication skills.
- Proficiency in data analysis and reporting tools (e.g., Excel, Tableau).
- Knowledge of market and/or credit risk management principles and practices.
- Familiarity with collateralized markets products and collateral types.
- Ability to work independently and as part of a team.
Job Family Group:
Risk Management
Job Family:
Portfolio Credit Risk Management
Time Type:
Full time
Primary Location:
New York New York United States
Primary Location Full Time Salary Range:
$109,120.00 - $163,680.00
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, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, 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:
Mar 27, 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.
The Institutional Credit Management (ICM) team is a critical component of Citi's risk management framework. ICM is a first line of defense function responsible for assessing and managing credit risk across the organization. This includes providing oversight of lending activities, monitoring portfolio performance, and ensuring compliance with internal policies and regulatory requirements. The ICM team plays a vital role in maintaining the stability and soundness of Citi's credit portfolio.
Job Summary:
The Collateral Risk Analyst is responsible for supporting the credit risk management oversight of collateral eligibility and risk mitigation strategies across various businesses. This role involves performing reviews of collateral schedules, analyzing the adequacy of collateral coverage and associated metrics, identifying potential risks, including wrong way risk, associated with collateral, and contributing to the development of collateral risk management policies and procedures. The analyst will work closely with credit officers, portfolio managers, and other risk management professionals to ensure Citi maintains a robust collateral risk management framework.
Key Responsibilities:
Collateral Review and Validation:
- Perform reviews of collateral schedules and terms to ensure accuracy, completeness, and compliance with regulatory requirements and internal policies.
- Validate collateral eligibility based on established criteria, including legal documentation, asset class and other applicable metrics.
- Assess the adequacy of collateral coverage relative to loan amounts for given metrics and terms.
Risk Identification and Assessment:
- Identify and assess potential risks associated with collateral, such as market stress and wrong way risk, in conjunction with regulatory requirements.
- Evaluate the impact of these risks on counterparty exposure on the overall credit portfolio.
- Develop and implement strategies to mitigate identified collateral risks.
Portfolio Monitoring and Reporting:
- Monitor collateral performance across various businesses, identifying trends and potential areas of concern.
- Prepare regular reports on collateral risk exposures, including concentrations, exceptions, etc.
Data Analysis and Reporting:
- Extract and analyze data related to collateral, and market trends.
- Develop and maintain databases and analytical tools to support collateral risk management activities.
- Prepare reports and presentations summarizing collateral risk exposures and performance.
Policy and Procedure Development:
- Contribute to the development and maintenance of collateral risk management policies, procedures, and guidelines.
- Ensure that policies and procedures are aligned with regulatory requirements and industry best practices.
- Provide training and guidance to credit officers and other stakeholders on collateral risk management practices.
Regulatory Compliance:
- Stay abreast of relevant regulations and guidance related to collateral eligibility, risk management, and valuation.
- Ensure that collateral risk management practices comply with applicable regulatory requirements, including those issued by the OCC and FRB.
- Assist with internal and external audits related to collateral risk management.
Collaboration and Communication:
- Collaborate with business, credit officers, legal counsel, and other stakeholders to address collateral-related issues and concerns.
- Communicate effectively with internal and external parties regarding collateral requirements, policies, and procedures.
- Participate in industry forums and professional development activities to stay current on collateral risk management trends and best practices.
Qualifications
Education: Bachelor's degree in finance, economics, or a related field. Advanced degree or professional certification (e.g., CFA, FRM) preferred.
Experience:
- 3+ years of experience in credit risk management, collateral risk, capital or liquidity, or a related field a plus.
- Experience with regulatory requirements related to collateral risk management (e.g. Uncleared Margin Rules).
Skills:
- Strong analytical and problem-solving skills.
- Excellent written and verbal communication skills.
- Proficiency in data analysis and reporting tools (e.g., Excel, Tableau).
- Knowledge of market and/or credit risk management principles and practices.
- Familiarity with collateralized markets products and collateral types.
- Ability to work independently and as part of a team.
Job Family Group:
Risk Management
Job Family:
Portfolio Credit Risk Management
Time Type:
Full time
Primary Location:
New York New York United States
Primary Location Full Time Salary Range:
$109,120.00 - $163,680.00
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, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, 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:
Mar 27, 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.
How to Get Visa Sponsorship as a Credit Risk Analyst
Lead with quantitative skills
Credit risk roles prioritize candidates who can model loss probabilities and stress-test portfolios. Highlight Python, R, SAS, or SQL experience in your resume. Concrete examples of credit scoring models or default prediction work will stand out to hiring managers.
Target STEM-designated programs for OPT extension
If your degree is in Financial Mathematics, Data Science, Statistics, or a related STEM field, you qualify for a 24-month OPT extension. Confirm your CIP code with your DSO before applying, since employers weigh the extended authorization window heavily when evaluating sponsorship timelines.
Focus on regulated financial institutions
Banks, credit unions, insurance companies, and fintech lenders hire credit risk analysts regularly and have established immigration compliance teams. These employers are more familiar with OPT work authorization than smaller firms, which reduces friction during the hiring process.
Address OPT timing directly in your cover letter
State your current OPT end date and whether you qualify for the STEM extension. Employers hesitate when authorization timelines are unclear. Being upfront removes ambiguity and signals that you understand the hiring process from their compliance perspective.
Get your EAD card before your start date
Credit risk roles at banks and regulated institutions require I-9 verification before day one. Apply for your EAD at least three months before your program end date. Delays in card production can push back a confirmed start date or jeopardize the offer.
Build domain knowledge beyond your degree
Employers value candidates who understand credit cycles, Basel III capital requirements, and CECL accounting standards. Self-study through CFA Level 1 or FRM Part 1 signals genuine commitment to the field and makes OPT sponsorship feel like a lower-risk investment to hiring managers.
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Get Access To All JobsFrequently Asked Questions
Do Credit Risk Analyst jobs typically qualify for the STEM OPT extension?
Many do, but it depends on your degree, not the job title. If your bachelor's or master's is in a STEM-designated field such as Statistics, Financial Mathematics, Economics (at some institutions), or Data Science, you likely qualify for the 24-month extension. Confirm your CIP code with your DSO, and ask employers whether they are enrolled in E-Verify, which is required to authorize the extension.
Which types of employers are most likely to hire Credit Risk Analysts on OPT?
Large commercial banks, regional banks, credit card issuers, insurance companies, and fintech lenders are the most consistent hirers. These institutions have structured compliance and HR teams experienced with OPT authorization and H-1B sponsorship pipelines. Boutique credit funds and smaller lenders hire credit risk talent but may have less experience navigating OPT paperwork. Browse verified sponsoring employers on Migrate Mate to narrow your search to companies that actively hire international candidates.
Can I work as a Credit Risk Analyst contractor or on a short-term project basis while on OPT?
Yes, OPT permits contract and freelance work as long as it is directly related to your degree field and you work at least 20 hours per week during standard OPT. Unemployment cannot exceed 90 days on standard OPT or 150 days on STEM OPT. Contract arrangements at banks or risk consulting firms count, but make sure the work is documentable and tied to your major area of study.
How should I explain my OPT status to a Credit Risk Analyst hiring manager?
Keep it factual and brief. State that you hold a valid EAD authorizing full-time employment, your current authorization end date, and whether you qualify for the STEM extension. If your degree is STEM-designated, frame the extension as three years of authorized work before any H-1B decision is needed. Hiring managers in financial services are familiar with OPT; clarity reduces hesitation far more than avoiding the topic.
What happens to my OPT authorization if I get laid off from a Credit Risk Analyst role?
Your OPT status remains valid, but the unemployment clock starts immediately. Standard OPT allows a maximum of 90 days of unemployment, and STEM OPT allows 150 days total across both periods combined. Report any employer change or gap to your DSO promptly. If you secure a new role, your DSO updates SEVIS to reflect the new employer. Acting quickly to find your next position is essential to staying in compliance.
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