Credit Officer, Citi

Citi

Location:
United States, New York ▼
Dallas
Irving

Category:
Banking

Contract Type:
Not provided

Salary:

129840.00 - 194760.00 USD / Year

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Job Description:

Citi’s US Commercial Bank (“CCB”) is a rapidly growing business, targeting emerging, mid- and larger-sized companies with annual revenue generally from $100 million to $3 billion. 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 CLM Sponsor and Special Transaction team.

Job Responsibility:

Proven track record of supporting the growth of client relationships with effective risk management
Work closely with coverage and corporate finance to facilitate transaction and capital structure analysis
Knowledgeable of assigned transaction, 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
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
Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients
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
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency

Requirements:

Experienced 5+ credit underwriting executive with a deep understanding corporate lending
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 degree
advanced degree(s) and other certifications considered but not required

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

Additional Information:

Job Posted:
April 26, 2025

Expiration:
May 19, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Credit Officer

Citi

Location:United States, New York ▼DallasIrving

Category:Banking

Contract Type:Not provided