Credit Officer – Commercial Banking (Consumer & Retail Products)
citigroupBrooklyn (NY)
Credit Officer – Commercial Banking (Consumer & Retail Products)
Posted today
citigroupBrooklyn (NY)
SENIORITY
Senior
About the role
Overview:
As a Commercial Banking Credit Risk AVP at Citi, you underwrite and manage credit risk for a portfolio of mid-to-large commercial lending relationships across the US and Canada. You collaborate with Relationship Managers and Independent Risk to structure lending solutions and ensure regulatory compliance. You will monitor risk quality, maintain accurate ratings, and participate in credit approval discussions while contributing to broader risk strategy and training within Commercial Banking in North America. Compensation / Benefits hybrid work model: 3 days in office, 2 remote learning and development resources broad lending product exposure opportunities to contribute to strategic projects focus on financial wellbeing and work-life balance competitive benefits package (medical/dental/vision, 401(k))
Responsibilities:
Underwrite credit risk for a portfolio of commercial lending clients, evaluating working capital solutions, term loans, treasury services, trade finance and derivatives Conduct due diligence and financial analysis to assess borrower creditworthiness and optimal credit structures Monitor credit quality through regular reviews, covenant tracking, and ongoing reporting Maintain accurate risk ratings and classifications, identifying early warning signs and addressing them Apply Citi's credit policies to support sound lending decisions and regulatory compliance Partner with Relationship Managers and Independent Risk to structure and document lending solutions Represent the portfolio in credit approval forums and respond to inquiries from internal and regulatory stakeholders Deliver technical credit skills training and mentor junior colleagues
Key requirements:
4 to 6 years of experience in credit underwriting, portfolio management or risk management within a multinational financial services organization Knowledge of core accounting and financial concepts as applied to underwriting Strong written, verbal and presentation communication skills Organizational skills to manage multiple priorities in a fast-paced environment Learning agility to quickly build new knowledge for evolving credit situations Proficiency in spreadsheet, word processing and presentation applications with data visualization skills strong written and verbal communication organizational skills learning agility credit underwriting portfolio management risk management lifecycle
Before you apply
Applying takes about a minute. These four things decide how fast it moves after that.
Your profile is current
It's what we read first. Occupations, seniority and locations matter more than a long history.
Two examples you can talk through
Not a portfolio — just two pieces of work where you can explain the decisions and what you'd change.
A number in mind
What you're on now and what would make you move. We negotiate better when we know both.
Your notice period
Employers plan around it, and it's the question that stalls offers most often.
Once you apply, someone reads it and calls you before anything reaches the employer — usually within two working days.