Commercial Credit Officer
Citi is looking for a Commercial Credit Officer to take ownership of credit underwriting and portfolio management within its rapidly growing US Commercial Bank, serving mid-to-large companies with revenues from $100 million to $3 billion. In this role, you will sit at the center of the lending process - assessing credit risk, structuring financing solutions, and partnering directly with relationship bankers and independent risk teams to deliver best-in-class outcomes for clients. Your decisions will directly shape the credit quality and performance of a significant commercial lending portfolio for the Diversified Industrials vertical.
Responsibilities
- Manage the end-to-end credit underwriting process for new and existing commercial relationships, from initial pre-screening and credit appetite assessment through to approval, documentation, and ongoing portfolio oversight.
- Assess the creditworthiness of commercial borrowers by conducting detailed financial statement analysis, cash flow modeling, trend, and ratio analysis, and evaluating complex business structures including those with international subsidiaries.
- Prepare comprehensive written credit analyses that articulate the financing need, key risk factors, structural considerations, and a well-supported credit recommendation.
- Monitor existing borrowers through monthly and quarterly financial reviews, tracking covenant compliance, identifying early warning indicators, and escalating emerging concerns to relevant stakeholders.
- Oversee the loan documentation process for new transactions and amendments, coordinating with internal partners and external legal counsel to ensure all approval terms are accurately reflected in closing documents.
- Maintain regulatory compliance across the portfolio by ensuring accurate risk ratings, appropriate classification, and adherence to all applicable credit policies and regulatory frameworks.
- Mentor and develop junior credit professionals, sharing technical expertise and contributing to training initiatives that build credit skills across the wider commercial banking team.
Required Qualifications & Skills
- 5+ years of credit underwriting and portfolio management experience within a commercial or corporate banking environment, with a background operating within regulatory and compliance policy frameworks.
- Ability to analyze and interpret complex financial statements, cash flow positions, and industry-specific performance metrics for companies with sophisticated or multi-entity structures.
- Working knowledge of accounting principles and their practical application in a credit underwriting context.
- Highly organized with the ability to manage multiple transactions simultaneously, meet deadlines consistently, and maintain accuracy in a fast-moving environment.
- Clear and confident communicator, able to present credit views and engage constructively with relationship managers, risk teams, senior stakeholders, and external counterparties.
- Skilled at identifying, analyzing, and resolving complex credit issues, balancing risk considerations with commercial objectives to reach sound conclusions.
- Proficient in Excel and Word, including financial modelling, enterprise valuation, data presentation, and the use of analytical tools to support credit decisions.
Beneficial Skills & Qualifications
- A Master's degree or postgraduate qualification in finance, business, or a related discipline.
- Familiarity with a broad range of commercial lending and related products, including working capital facilities, term loans, acquisition finance, trade finance, and derivatives.
- Experience contributing to or leading process improvement initiatives that have measurably enhanced credit workflow efficiency or controls.
What We Offer
Joining Citi's Commercial Lending team means taking on a senior role with real ownership and influence in a high-performing, collaborative environment that operates at genuine global scale. You will have the opportunity to shape credit decisions on a significant portfolio, contribute to strategic lending initiatives, and develop your career within one of the world's leading financial institutions.
- A hybrid working arrangement with 3 days in the office and 2 days working remotely, giving you flexibility alongside meaningful in-person collaboration.
- Direct exposure to a wide range of complex financing transactions across a specialist industry vertical, deepening your expertise and broadening your technical skill set.
- The opportunity to take ownership of high-profile credit decisions and represent your portfolio in senior internal forums, building your visibility and professional influence.
- A structured environment for career progression, with the ability to contribute to US and global strategic initiatives and help shape the future direction of commercial credit at Citi.
- Access to Citi's global network, connecting you with colleagues and clients across markets and business lines to expand your professional reach.
- Wellbeing and financial benefits in line with Citi's commitment to supporting employees across all stages of their careers and personal lives.
Apply now to bring your commercial credit expertise to a role where your judgement, leadership, and industry knowledge will have a direct and lasting impact on Citi's clients and lending portfolio.
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as 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:
$114,720.00 - $172,080.00In 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, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.------------------------------------------------------
Other Relevant Skills
Constructive Debate, Escalation Management, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.------------------------------------------------------
Anticipated Posting Close Date:
Sep 24, 2026------------------------------------------------------
Automated Processing and AI
We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.
Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.
Illinois residents - AI Notice and Right
------------------------------------------------------
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.