Commercial Lending Credit Officer - Vice President

• Analyze various U.S. industries and have a thorough knowledge of the risks associated with those industries
• Implement loan structure, terms and conditions with regard to a variety of loan and borrower situations
• Support U.S. colleagues in sales, credit, and loan operations roles with adhering to processing and documentation guidelines for loan requests
• Prepare detailed written credit memos that summarize results of financial and credit analysis including identification of strengths, prevailing risk factors, and recommendation
• Ensure appropriateness of risk ratings and facility classifications at time of Originations and/or during the Annual Review process
• Ensure data capture associated with approved extensions of credit are accurate
• Ensure compliance with credit policies and procedures and applicable U.S. law and regulatory requirements, and achieve satisfactory ratings from internal and external auditors
• Support business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels
• Build a solid understanding of Citibank products and services

• Bachelor's degree in Finance or Accounting, or equivalent experience
• Minimum 5 years working in a financial institution performing commercial credit analysis in an underwriting and/or portfolio management role
• Expertise in underwriting business working capital lines, term loans and real estate transactions with Small Business Administration (SBA) experience also preferred, but not required
• Prior experience working in a U.S. regulatory and compliance policy environment
• Strong analytical skills including the ability to read and assess individual and company U.S. tax returns, U.S. financial statements, cash flow, industry and competitive analysis and projections
• Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
• Strong ability to assess risks and make decisions using sound judgment
• Excellent organizational skills, strong multi-tasking capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
• Strong inter-personal and written / verbal communication skills
• Strong problem recognition and resolution skills
• Ability to evaluate, negotiate structure and/or monitor extensions of credit
• Pro-active disposition with ability to work independently and within a team
• Proficient in various spreadsheet and word processing applications (Excel and Word), PowerPoint, and financial analysis software

Small Business Administration (SBA) experience