Senior Credit Underwriter - Hybrid, Commercial Lending

Citigroup Inc.; Chicago (IL); Hybrid; USD 144,000 - 217,000; Full time

Benefits offered by this job

Hybrid work model

Professional development

Competitive compensation & benefits

Job summary

Citigroup Inc. in Chicago is seeking a Senior Credit Underwriter to assess and manage complex credit risk across a portfolio of commercial banking clients.

You will apply deep financial expertise to evaluate high-value exposures, ensure compliance with standards, and contribute to Citi's Commercial Banking performance. You will mentor staff, conduct industry due diligence, and drive improvements in underwriting processes, working hybrid with office and remote days to balance collaboration and

Qualifications

• 10+ years in credit analysis or underwriting in a financial institution.
• Ability to read and assess financial statements, cash flow projections, and industry analysis.
• Bachelor's degree in a relevant discipline.

Responsibilities

• Assess credit extension requests for new and existing commercial clients, underwriting complex transactions.
• Conduct detailed financial analysis and ratio interpretation to evaluate creditworthiness.
• Evaluate collateral performance across AR, inventory, machinery, equipment, and real estate.
• Monitor borrower compliance through monthly and quarterly reviews and flag deviations.
• Ensure credit decisions align with Citi policies and regulatory requirements.
• Mentor and train less experienced staff in application processing, credit analysis, and loan closing.
• Conduct industry and geographic research to support informed credit decisions.

Skills

Credit underwriting

Financial analysis

Regulatory compliance

Excel

Communication

Stakeholder management

Education

Bachelor's degree or equivalent in a relevant discipline

Tools

Moody's financial analysis software

Job description

Citigroup Inc. in Chicago is seeking a Senior Credit Underwriter to assess and manage complex credit risk across a portfolio of commercial banking clients.

You will apply deep financial expertise to evaluate high-value exposures, ensure compliance with standards, and contribute to Citi's Commercial Banking performance. You will mentor staff, conduct industry due diligence, and drive improvements in underwriting processes, working hybrid with office and remote days to balance collaboration and