Credit Officer

Citibank (Switzerland) AG; New York (NY); Hybrid; USD 130,000 - 195,000; Full time

Job summary

Citibank (Switzerland) AG is seeking a Credit Officer to oversee underwriting for the ABS portfolio in Citi's ICM. You will guide risk assessment, review collateral analysis, and ensure policy adherence for complex asset-backed transactions.

The role demands 4+ years in credit, strong Excel/PowerPoint skills, and clear communication. Hybrid work in New York is offered with a focus on teamwork and risk insights.

Qualifications

• 4+ years of credit experience in structured finance/securitization.
• Strong credit analysis, underwriting and monitoring skills.
• Bachelor’s or Master’s degree; strong communication abilities.

Responsibilities

• Collaborate with Origination on pre-screening and collateral analysis.
• Review terms, conduct due diligence and sign off risk ratings.
• Sign off on credit memos before Risk review, and approve post-closing amendments.
• Provide industry and asset-class credit expertise for complex deals.
• Support ICM analysts’ development and career growth.

Skills

Credit analysis

Underwriting

Credit monitoring

Excel

PowerPoint

Education

Bachelor’s degree

Master’s degree preferred

Tools

Excel

PowerPoint

Job description

## Credit OfficerApply: Hybrid: New York New York United States: Full time: Posted Today: 26997372The Underwriter within Citi’s Institutional Credit Management (“ICM”) Credit Underwriting ABS team works with the ABS business team and ICM Credit Analysts to provide oversight of the underwriting of a multi-billion-dollar portfolio of asset securitization transactions financed primarily through the asset-backed commercial paper market. The Underwriter reviews the credit underwriting and provides a first line of defense credit sign-off of the transactions which are secured by various asset types (including auto, credit card, unsecured consumer loans). The Underwriter ensures consistent application of policies, standards and procedures to support the safety and soundness of wholesale lending in the ABS business.**Responsibilities:*** Work proactively with the Origination team on pre-screening of new deal opportunities and review the initial collateral analysis, preliminary financial analysis, and “greenlight” memoranda. Provide guidance as to risk profile of the proposed transaction and adherence to guidelines.* Review indicative terms and conditions. Analyze due diligence results and sign off on proposed risk ratings.* Review and provide a first line of defense sign off on credit approval memos prepared by the ICM Credit Analysts prior to submission for approval by Risk (second line of defense) constituents.* Review and approve deal post-closing amendment, consent, and waiver requests,* Provide pertinent industry and asset class knowledge and credit expertise in the review and sign off of complex transactions* Work closely with the ICM Credit Analysts to help develop their credit assessment skills and enhance the advancement of their career paths.**Qualification and Experience** :* 4+ years of credit experience (preferably in structured finance/securitization) within a financial institution, rating agency, financial guarantor, or asset management firm.* Excellent credit analysis and underwriting and credit monitoring skills. Proficiency in Excel & Power Point.* Oral and written communications skills enabling one to effectively interact with internal and external constituents of all levels. Strong attention to detail. Ability to multi-task and manage projects and to meet tight deadlines.* Ability to function well within a team environment which is formed to serve as a first line of defense in-business credit function and deliver best-in-class credit risk analysis and underwriting and management of the approval process.**Education:*** Bachelor’s/University degree, Master’s degree preferredThis job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.------------------------------------------------------## **Job Family Group:**Risk Management------------------------------------------------------## **Job Family:**Credit Risk------------------------------------------------------## **Time Type:**Full time------------------------------------------------------## **Primary Location:**New York New York United States------------------------------------------------------## **Primary Location Full Time Salary Range:**$129,840.00 - $194,760.00In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. 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.