Credit Officer

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, you’ll 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

• 5–6 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.

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