Credit Officer, Citi

Citi

Location:
United States, New York

Category:
Finance

Contract Type:
Employment contract

Salary:

163600.00 - 245400.00 USD / Year

Save Job

Apply Position

Job Description:

Citi's US Commercial Bank is seeking a dynamic Credit Officer to oversee credit risk, manage lending portfolios in the healthcare sector, and assess financial conditions of clients. Key responsibilities include credit underwriting, portfolio monitoring, and mentorship of junior staff. The role is based in New York, NY.

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:

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 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:
July 26, 2025

Employment Type:

Fulltime

Work Type:

On-site work

View All Jobs In This Company

Job Link Share:

Credit Officer