Commercial Credit Officer

About the role

Citi is seeking a Commercial Credit Officer to oversee credit underwriting and portfolio management for mid-to-large companies with revenues between $100 million and $3 billion.

Responsibilities

• Manage the credit underwriting process, from initial screening to approval and ongoing portfolio oversight.
• Analyze financial statements, cash flows, and business structures to assess credit risk.
• Prepare comprehensive credit analyses and make well-supported recommendations.
• Maintain regulatory compliance and monitor borrower performance through regular reviews.
• Oversee loan documentation and coordinate with legal counsel.
• Mentor junior credit professionals and contribute to training initiatives.

Requirements

• 5+ years of credit underwriting and portfolio management experience.
• Ability to analyze complex financial statements and cash flow positions.
• Working knowledge of accounting principles and their application.
• Highly organized with the ability to manage multiple transactions.
• Clear and confident communicator with strong presentation skills.
• Skilled at identifying and resolving complex credit issues.
• Proficiency in Excel and Word, including financial modeling and data presentation.

Skills

• Master's degree or postgraduate qualification in finance, business, or a related field.
• Familiarity with commercial lending products such as working capital facilities, term loans, acquisition finance, trade finance, and derivatives.
• Experience in process improvement initiatives.

Benefits

The role offers a hybrid working arrangement, competitive compensation, and a variety of benefits including medical, dental, and vision coverage, a 401(k) plan, life, accident, and disability insurance, wellness programs, and paid time off packages. Citi also supports employees' wellbeing and financial needs through various programs.