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…