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Credit Officer - Consumer Products and Retail

https://www.citi.com/ Logo

Citi

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Location:
United States , Jacksonville, Florida

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Category:
Banking

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Contract Type:
Not provided

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Salary:

130880.00 - 196320.00 USD / Year
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Job offer has expired

Job Description:

Citi’s Commercial Bank (CCB) for the North American (NAM) region is a rapidly growing business, targeting emerging, mid and larger-sized companies based in the United States or Canada, with annual revenue generally from $20 million to $1 billion plus. To facilitate the CCB’s wholesale lending activities, Commercial Lending Management (CLM) serves as an in-business credit function organized around our strategic industries and global target market approach. CLM plays a critical role of the client delivery model for the CCB, translating thought-leadership, industry and product expertise, and an end-to-end ownership of the credit relationship into best-in-class lending solutions. We are seeking a dynamic and motivated credit professional to join the Consumer Products and Retail team.

Job Responsibility:

  • Facilitate the end-to-end lending process within the US CCB for the assigned relationships and portfolio
  • Knowledgeable of assigned portfolio and industry, and able to articulate and support a credit view based on well-supported analysis that effectively balances risk and business objectives
  • Ensure appropriate regulatory classification and minimizing net credit losses for covered portfolio, as well as identify emerging areas of concerns that should be escalated
  • Provide accountability for decisioning using credit covering approval authority in tandem with Independent Risk
  • Directly manage the analysis and workflow of underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, including the related diligence
  • Lead the timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio
  • Direct and supervise the loan documentation process for both new transactions and amendments or modifications
  • including coordination with internal partners and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents
  • Conduct periodic client calls on all portfolio clients and select new to bank opportunities in partnership with the Relationship Manager
  • Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients
  • Mentor and develop junior staff to become effective resources and future Credit Officers and Bankers
  • Recommend changes to improve existing processes to achieve greater efficiency and controls
  • Work proactively, and in a constructive and diplomatic manner, with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls

Requirements:

  • Experienced credit underwriting executive with a deep and relevant Retail and Consumer Product industry expertise, particularly in commercial and cross-border lending
  • 10+ years of experience in credit underwriting, portfolio and/ or risk management with a large multinational financial services organization
  • Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
  • Excellent communication (written, verbal, presentation and listening) and organizational skills
  • ability to complete multiple priorities in a timely manner
  • Strong credit sense and ability to articulate a view, work across a range of credit products, with experience in early problem recognition and resolution skills
  • Demonstrates learning agility: Seeks out resources and experience to continually build knowledge/skills
  • quickly and successfully applies learning to new situations
  • Reaches decisions in a timely and transparent manner, knows when enough information has been collected to make sound decisions, takes calculated risks with the confidence to defend their credit view
  • Proficient in various spreadsheet and word processing applications
  • Bachelor’s/University degree, Master’s degree preferred
What we offer:
  • medical, dental & vision coverage
  • 401(k)
  • life, accident, and disability insurance
  • wellness programs
  • paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays
  • discretionary and formulaic incentive and retention awards

Additional Information:

Job Posted:
January 10, 2026

Expiration:
January 15, 2026

Employment Type:
Fulltime
Work Type:
Hybrid work
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