Senior Credit Risk Strategist & Assurance Leader

Coleambally; Sydney; On-site; AUD 180,000 - 240,000; Full time

Benefits offered by this job

Senior role impact

Global learning resources

Career progression

Exposure to diverse industries

Job summary

Citi in Sydney seeks a Senior Credit Risk Officer to lead independent credit assessment and decisioning for the Citi Commercial Bank's Australian portfolio, holding individual credit authority and ensuring quality across diverse mid-market and large corporate clients.

You will mentor junior risk staff, collaborate with Relationship Managers and Underwriters on credit structuring, and contribute to portfolio reviews, stress testing, and key risk initiatives with Citi's global franchise.

Qualifications

• A minimum of 12 years of experience in corporate banking or credit risk management.
• Experience as a credit officer with delegated credit authority on complex transactions.
• Extensive experience with mid-market or large corporate clients and cash flow modelling.
• Strong knowledge of credit principles, loan structuring, and risk management frameworks.
• Excellent analytical and quantitative capabilities with clear credit judgements.
• Effective communication to both specialist and non-specialist stakeholders.
• Familiarity with loan documentation and credit structuring conventions.

Responsibilities

• Serve as final credit approver for Citi Commercial Bank proposals across transactions.
• Assess complex credit proposals using financial performance, structure, and risk factors.
• Perform historical and forward-looking financial analysis including cash flow modelling.
• Monitor a portfolio of commercial client credits and design risk mitigation strategies.
• Ensure all decisions comply with Citi risk policies and regulatory requirements.
• Collaborate with Relationship Managers and Underwriters on credit structuring and risk guidance.
• Mentor junior risk analysts and partners to strengthen credit analysis capability.
• Contribute to portfolio reviews, stress testing, and strategic risk initiatives.

Skills

Credit risk management

Delegated credit authority

Financial statement analysis

Cash flow modelling

Loan structuring

Risk management frameworks

Analytical capability

Communication skills

Stakeholder influence

Independence and integrity

Education

Bachelor's degree in Finance, Accounting, Economics

MBA, CFA, or advanced qualification

Job description

Citi in Sydney seeks a Senior Credit Risk Officer to lead independent credit assessment and decisioning for the Citi Commercial Bank's Australian portfolio, holding individual credit authority and ensuring quality across diverse mid-market and large corporate clients.

You will mentor junior risk staff, collaborate with Relationship Managers and Underwriters on credit structuring, and contribute to portfolio reviews, stress testing, and key risk initiatives with Citi's global franchise.