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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

Citi is looking for a Credit Officer to play a pivotal role in shaping sound credit decisions that directly influence the performance and growth of our small business and commercial lending portfolio. In this role, you will serve as a recognized subject matter authority, partnering closely with bankers and cross-functional teams to assess complex credit requests and deliver clear, risk-informed recommendations. You will also lead and mentor a team of 6 to 8 credit professionals, making this an exceptional opportunity to combine deep analytical expertise with meaningful people leadership.

Responsibilities

• Lead, mentor, and develop a team of 6 to 8 Credit Analysts, providing guidance, supporting performance, and fostering a high-quality underwriting culture.
• Assess and underwrite commercial credit requests for new and existing clients, taking ownership of credit decisions that comply with risk policy standards and internal guidelines.
• Prepare comprehensive written credit summaries that analyze business viability, identify key risk factors and strengths, and render well-supported final credit recommendations.
• Conduct detailed financial analysis including trend analysis, ratio analysis, and cash flow evaluation on companies, individuals, guarantors, and co-borrowers to determine repayment capacity.
• Perform industry research, geographical due diligence, and review of complex business structures, including entities with foreign subsidiaries or parent organizations.
• Ensure ongoing compliance with Citi credit policies and regulatory requirements, supporting satisfactory outcomes in internal and external audits.
• Identify and drive process improvements across the credit underwriting function to enhance efficiency and improve client service outcomes.

Required Qualifications & Skills

• 56 years of credit underwriting or credit authority experience within a financial institution, with a background in risk management.
• Demonstrated experience managing or leading a team of associates, with the ability to guide performance, develop talent, and foster collaboration across a group.
• Fluency in both English and Spanish (bilingual proficiency is required); applications and resumes must be submitted in English.
• Demonstrated ability to analyze individual and corporate financial statements, cash flow models, tax returns, and complex organizational structures including entities with international operations.
• Solid grounding in accounting principles and their practical application in the credit underwriting process.
• Prior experience operating in a regulatory or compliance-driven environment, with a clear understanding of risk management frameworks.
• Proven ability to manage competing priorities, meet deadlines under pressure, and maintain a high standard of accuracy and attention to detail.
• Effective communicator with strong interpersonal skills, capable of influencing and guiding colleagues across functions and seniority levels.
• Proficiency in Microsoft Excel and Word, including financial modeling, graphs, and analytical tools.

Beneficial Skills & Qualifications

• Familiarity with financial regulations and the regulatory landscape governing commercial banking and lending.
• Master's degree in Finance, Business, Economics, or a related discipline.
• Experience leading credit teams through process improvement initiatives or organizational change in a fast-paced financial services environment.

What We Offer

At Citi, we invest in our people as much as we invest in our clients. Joining our Commercial Banking team means stepping into a role where your expertise has a tangible impact on the business, on your team, and on your own career trajectory. We offer a supportive, collaborative environment where leadership, learning, and wellbeing are prioritized equally.

• A hybrid working model 3 days in the office and 2 days working remotely giving you flexibility while keeping you connected to your team.
• People leadership responsibility from day one, with a team of 6 to 8 direct reports to guide, develop, and inspire.
• Access to Citi's global network, with opportunities to collaborate across business lines and geographies.
• Continuous learning and development support, including access to training programs and career advancement pathways within Citi's broad financial services ecosystem.
• Comprehensive wellbeing support, including financial wellbeing resources, health benefits, and family support programs.
• A workplace that values inclusion, diverse perspectives, and meaningful work where your contributions are recognized and your growth is supported.

Apply today and bring your credit expertise, leadership skills, and people management experience to a role where your decisions carry real weight at one of the world's leading financial institutions.

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Job Family Group:

Risk Management

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Job Family:

Credit Risk

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Time Type:

Full time

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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.

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Other Relevant Skills

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

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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.

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