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Career Opportunity

Credit Risk Officer (Small Business & Credit Cards)

Locations: Irving, Texas, Jacksonville, Florida, Roy, Utah Job Function: Risk Management Employee Status: Regular Job ID: 20180028

Credit Risk Officer

Grade/Title:  C13/VP

Location: This position will be located on-site in either:

  • Irving, Texas (SBA & Cards Positions)
  • Roy, Utah (Cards Position)
  • Jacksonville, Florida (Cards Position) 

    The Credit Risk Officer is a strategic professional who stays abreast of developments within own field and contributes to directional strategy by considering their application in own job and the business. Recognized technical authority for an area within the business. Requires basic commercial awareness. There are typically multiple people within the business that provide the same level of subject matter expertise. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Significant impact on the area through complex deliverables. Provides advice and counsel related to the technology or operations of the business. Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.


  • Integrates in-depth commercial credit operations knowledge with a solid understanding of industry standards and practices.
  • Performs in-depth financial statement analysis to manage new and existing relationships with exposures >$250M in addition to high-risk credits.
  • Uses judgment to complete more complex credit transactions with direct business and partner impact.
  • Oversees commercial credit application process to include regulatory compliance, credit verification and determination of credit worthiness.
  • Performs spread/analysis of credit reports, financials, public ratings, etc. to create a comprehensive write up to aid in credit decision.
  • Applies analytical thinking and knowledge of credit analysis tools and methodologies.
  • Provides timely, accurate and professional updates to management, field teams and partners regarding file status.
  • Mentor lower level analysts.


  • Bachelor's degree or equivalent experience required
  • Seven+ years Credit Analysis experience required.
  • Previous demonstrated ability to read and interpret commercial credit bureaus, analyze trade experience, and utilize external financial resources to underwrite commercial credit requests is required.
  • Demonstrated commercial underwriting/analysis with Moody's MFA/Spreading experience
  • Strong communication (written and verbal), analytical, phone etiquette, project management and customer service skills.  
  • Small Business Experience with Credit Cards, Term Notes, FX/ACH, Line of Credit, Stand by Letters and Commercial Real Estate (7a, Express and 504 Programs).
  • Proficient typing and MS Office skills.
  • Multi-tasking in a high volume, fast paced environment required.
  • Prior leadership and lending authority preferred


Grade :


Time Type :


Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

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