Commercial Credit Officer

Citi; Irving (TX); Hybrid; USD 115,000 - 172,000; Full time

Benefits offered by this job

Hybrid work model (3 days in-office, 2

Global exposure

Career development

Citi network access

Wellbeing & benefits

Job summary

Citi is seeking a Commercial Credit Officer to own credit underwriting and portfolio management for mid-to-large U.S. commercial clients, with revenues from $100 million to $3 billion.

You will assess risk, structure financing, and partner with relationship bankers and risk teams to deliver best-in-class client outcomes across the Diversified Industrials vertical. The role entails end-to-end underwriting, monitoring, and regulatory compliance, with mentoring responsibilities and opportunities to

Qualifications

• 5+ years of credit underwriting and portfolio management in a commercial or corporate banking environment.
• Ability to analyze and interpret complex financial statements, cash flow positions, and industry-specific performance metrics.
• Working knowledge of accounting principles and their practical application in a credit underwriting context.
• Highly organized with the ability to manage multiple transactions and meet deadlines in a fast-moving environment.
• Clear and confident communicator with stakeholders.
• Proficient in Excel for financial modeling and data presentation.

Responsibilities

• Manage end-to-end credit underwriting for new and existing commercial relationships.
• Assess creditworthiness through financial statement, cash flow, and ratio analysis.
• Prepare written credit analyses outlining financing needs, risks, and recommendations.
• Monitor borrowers with regular financial reviews and covenant tracking.
• Oversee loan documentation with internal and external partners.
• Ensure regulatory compliance and proper risk ratings.
• Mentor junior credit professionals and support training initiatives.

Skills

Credit underwriting

Portfolio management

Financial statement analysis

Cash flow modeling

Regulatory & compliance

Excel

Communication

Multi-entity analysis

Relationship management

Education

Master's degree in finance or related field

Tools

Excel

Word

Job description

Citi is looking for a Commercial Credit Officer to take ownership of credit underwriting and portfolio management within its rapidly growing US Commercial Bank, serving mid-to-large companies with revenues from $100 million to $3 billion. In this role, you will sit at the center of the lending process - assessing credit risk, structuring financing solutions, and partnering directly with relationship bankers and independent risk teams to deliver best-in-class outcomes for clients. Your decisions will directly shape the credit quality and performance of a significant commercial lending portfolio for the Diversified Industrials vertical.

Responsibilities

• Manage the end-to-end credit underwriting process for new and existing commercial relationships, from initial pre-screening and credit appetite assessment through to approval, documentation, and ongoing portfolio oversight.
• Assess the creditworthiness of commercial borrowers by conducting detailed financial statement analysis, cash flow modeling, trend, and ratio analysis, and evaluating complex business structures including those with international subsidiaries.
• Prepare comprehensive written credit analyses that articulate the financing need, key risk factors, structural considerations, and a well-supported credit recommendation.
• Monitor existing borrowers through monthly and quarterly financial reviews, tracking covenant compliance, identifying early warning indicators, and escalating emerging concerns to relevant stakeholders.
• Oversee the loan documentation process for new transactions and amendments, coordinating with internal partners and external legal counsel to ensure all approval terms are accurately reflected in closing documents.
• Maintain regulatory compliance across the portfolio by ensuring accurate risk ratings, appropriate classification, and adherence to all applicable credit policies and regulatory frameworks.
• Mentor and develop junior credit professionals, sharing technical expertise and contributing to training initiatives that build credit skills across the wider commercial banking team.

Required Qualifications & Skills

• 5+ years of credit underwriting and portfolio management experience within a commercial or corporate banking environment, with a background operating within regulatory and compliance policy frameworks.
• Ability to analyze and interpret complex financial statements, cash flow positions, and industry-specific performance metrics for companies with sophisticated or multi-entity structures.
• Working knowledge of accounting principles and their practical application in a credit underwriting context.
• Highly organized with the ability to manage multiple transactions simultaneously, meet deadlines consistently, and maintain accuracy in a fast-moving environment.
• Clear and confident communicator, able to present credit views and engage constructively with relationship managers, risk teams, senior stakeholders, and external counterparties.
• Skilled at identifying, analyzing, and resolving complex credit issues, balancing risk considerations with commercial objectives to reach sound conclusions.
• Proficient in Excel and Word, including financial modelling, enterprise valuation, data presentation, and the use of analytical tools to support credit decisions.

Beneficial Skills & Qualifications

• A Master's degree or postgraduate qualification in finance, business, or a related discipline.
• Familiarity with a broad range of commercial lending and related products, including working capital facilities, term loans, acquisition finance, trade finance, and derivatives.
• Experience contributing to or leading process improvement initiatives that have measurably enhanced credit workflow efficiency or controls.

What We Offer

Joining Citi's Commercial Lending team means taking on a senior role with real ownership and influence in a high-performing, collaborative environment that operates at genuine global scale. You will have the opportunity to shape credit decisions on a significant portfolio, contribute to strategic lending initiatives, and develop your career within one of the world's leading financial institutions.

• A hybrid working arrangement with 3 days in the office and 2 days working remotely, giving you flexibility alongside meaningful in-person collaboration.
• Direct exposure to a wide range of complex financing transactions across a specialist industry vertical, deepening your expertise and broadening your technical skill set.
• The opportunity to take ownership of high-profile credit decisions and represent your portfolio in senior internal forums, building your visibility and professional influence.
• A structured environment for career progression, with the ability to contribute to US and global strategic initiatives and help shape the future direction of commercial credit at Citi.
• Access to Citi's global network, connecting you with colleagues and clients across markets and business lines to expand your professional reach.
• Wellbeing and financial benefits in line with Citi's commitment to supporting employees across all stages of their careers and personal lives.

Salary: $114,720.00 - $172,080.00

Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

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