TN Visa Credit Risk Analyst Jobs
Credit Risk Analyst roles qualify for TN visa sponsorship under the USMCA treaty's Economist and Financial Analyst categories. Canadian citizens can apply directly at the border or a U.S. port of entry. Mexican citizens follow the consular route. Employers file no lottery and face no annual cap for Canadian applicants.
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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 180+ 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 TN Visa Sponsorship as a Credit Risk Analyst
Align your credentials to USMCA categories
TN classification for Credit Risk Analysts typically falls under Economist or Financial Analyst. Your degree must match the category your employer selects, so confirm the job offer letter names the correct USMCA occupation before any documents are prepared.
Target employers experienced with visa sponsorship
Banks, insurance carriers, and fintech firms experienced with visa sponsorship already have internal processes and legal teams familiar with TN support letter requirements and border/consulate procedures, reducing the risk of offer withdrawal due to unfamiliarity with the process.
Request a detailed support letter from your employer
CBP officers assess TN eligibility at the port of entry based on the employer's support letter. It must specify your job duties, your degree field, the USMCA category, and the length of employment. Vague letters are the leading cause of TN denials for this role.
Use Migrate Mate to find sponsorship-ready employers
Searching for Credit Risk Analyst roles with confirmed TN sponsorship willingness is faster with a purpose-built tool. Migrate Mate filters jobs by visa sponsorship status so you're not cold-applying to employers who have never handled a TN petition.
Prepare for credential scrutiny if your degree is from Mexico
Mexican applicants presenting degrees from Mexican universities should have a credential evaluation completed before the consular interview. CBP and consular officers may question equivalency if your bachelor's title doesn't translate directly to a finance or economics field.
Negotiate TN renewal terms before accepting the offer
TN status is granted in up to three-year increments with no cap on renewals, but each renewal requires employer participation. Confirm your prospective employer will support renewals before signing, particularly if the role is contract-to-hire or project-based.
Credit Risk Analyst jobs are hiring across the US. Find yours.
Find Credit Risk Analyst JobsCredit Risk Analyst TN Visa: Frequently Asked Questions
Does a Credit Risk Analyst role qualify for TN visa status?
Yes, Credit Risk Analyst positions typically qualify under the USMCA's Economist or Financial Analyst occupational categories, provided the role requires at least a bachelor's degree in economics, finance, or a closely related field. The employer's support letter must map the job duties to the specific USMCA category. Roles that mix credit analysis with general administrative work may face scrutiny at the port of entry.
How does TN visa sponsorship for Credit Risk Analysts compare to H-1B?
TN offers a direct path that H-1B does not: Canadian citizens can secure status at a U.S. port of entry the same day without a lottery, a cap, or USCIS petition approval. H-1B requires a lottery selection, employer petition filing, and months of processing. For Credit Risk Analysts who are Canadian or Mexican citizens, TN is almost always faster and less dependent on employer immigration infrastructure.
Can I switch Credit Risk Analyst employers while on TN status?
Yes, but you cannot start work for the new employer until a new TN is approved. TN status is employer-specific, so each job change requires a new approval, either at the port of entry for Canadians or through a consular appointment for Mexican nationals. Plan for at least two to four weeks of transition time and confirm your new employer is prepared to support the filing before you resign.
Where can I find Credit Risk Analyst jobs that already offer TN visa sponsorship?
Migrate Mate is built specifically for Canadian and Mexican professionals seeking TN-sponsored roles in the U.S. Rather than sifting through listings where sponsorship status is unclear, Migrate Mate surfaces Credit Risk Analyst positions from employers who have confirmed TN sponsorship willingness, saving you the back-and-forth of discovering late in the process that a company won't support the filing.
What documents does a Credit Risk Analyst need at the port of entry for TN admission?
Canadian citizens presenting for TN admission should bring a valid passport, the employer's support letter, proof of their qualifying degree (transcripts or a credential evaluation if the degree is from a non-U.S. institution), and any supplementary evidence tying their credentials to the USMCA category. Mexican nationals require a valid TN visa stamp obtained through a U.S. consulate before arrival. Carrying a copy of the original job offer alongside the support letter is standard practice.
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