Apply (opens in new window)

Discover your future at Citi

Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, youll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

Citis Commercial Lending Management (CLM) team is a core inbusiness credit function within the U.S. Commercial Bank. CLM partners directly with Relationship Managers and Independent Risk to deliver disciplined underwriting, strong portfolio oversight, and wellstructured lending solutions for middlemarket clients.

We are seeking a Commercial Credit Officer (AVP) to join our team in Irving, Texas, one of Citis largest commercial credit and risk hubs. This role offers endtoend exposure to underwriting and portfolio management, supporting a diverse portfolio of commercial clients.

Role Overview

The Credit Officer (AVP) is responsible for supporting the underwriting, structuring, and ongoing monitoring of commercial lending exposures. The role partners closely with bankers and risk teams to evaluate new transactions, manage portfolio risk, and support credit approvals.

Key Responsibilities

Credit Underwriting & Portfolio Ownership

• Support the endtoend credit process for new and existing commercial relationships
• Partner with Relationship Managers to assess new opportunities and key credit risks
• Prepare and review underwriting analysis for transactions, renewals, amendments, and annual reviews
• Support credit decisioning in partnership with Independent Risk

Risk Management & Monitoring

• Monitor portfolio performance, including financial trends, covenant compliance, and exposure levels
• Identify emerging risks and escalate concerns with recommended mitigation actions
• Ensure appropriate risk ratings and regulatory classification

Execution & Transaction Support

• Support loan documentation and closing processes in coordination with legal and internal stakeholders
• Assist in managing credit workflow, timelines, and deliverables for active transactions

Stakeholder Collaboration

• Partner with Banking, Risk, Legal, and Product teams across the organization
• Participate in internal credit discussions and portfolio reviews
• Build strong working relationships to support deal execution and portfolio management

Leadership & Continuous Improvement

• Provide guidance and support to junior analysts as needed
• Contribute to process improvements that enhance efficiency and controls
• Continue to build industry and credit product expertise

Qualifications & Experience

• 58 years of experience in commercial credit, underwriting, portfolio management, or credit risk
• Bachelors degree in Finance, Accounting, Economics, Business, or related field
• Strong foundation in financial statement analysis, cash flow analysis, and credit fundamentals
• Ability to assess credit risk and articulate a clear credit view
• Strong written, verbal, and organizational skills

Preferred (Not Required)

• Experience within a large or regional financial institution
• Exposure to middlemarket or commercial banking clients
• Advanced degree or professional certification (e.g., CFA, CPA) is a plus

------------------------------------------------------

Job Family Group:

Risk Management

------------------------------------------------------

Job Family:

Credit Risk

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

Primary Location:

Irving Texas United States

------------------------------------------------------

Primary Location Full Time Salary Range:

$96,400.00 - $144,600.00

In addition to salary, Citis 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.

------------------------------------------------------

Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

------------------------------------------------------

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

------------------------------------------------------

Anticipated Posting Close Date:

Jun 12, 2026

------------------------------------------------------

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.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi (opens in new window).

View Citis EEO Policy Statement (opens in new window) and the Know Your Rights (opens in new window) poster.

Apply (opens in new window)