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Career Opportunity

Retail Business Banking Credit Officer (Classifiably Managed Portfolio)

Locations: Irving, Texas, Jacksonville, Florida Job Function: Business Banking Employee Status: Regular Job ID: 20188543

The Retail Business Banking Underwriting & Portfolio Manager will perform underwriting and portfolio management for the Retail Business banking segment. The Originations & Portfolio Team conducts moderate to complex credit and financial analysis and underwriting with focus on Credit Requests and Portfolio Reviews with exposure greater than $1MM and standard loan products while ensuring compliance with policies, procedures and regulations and the achievement of performance and budget targets.


  • Ensure work performed is in accordance with all policies, procedures and audit standards. Modify procedures and train staff as needed.
  • Analyze various industries and have a thorough knowledge of the risks associated with those industries
  • Effectively communicate with all bank customers, borrowers, and guarantors. Implement loan structure, terms and conditions with regard to a variety of loan and borrower situations.
  • Support colleagues in sales, credit, and loan operations roles with adhering to processing and documentation guidelines for loan requests.
  • Prepare detailed written credit memos that summarize results of financial and credit analysis including identification of strengths, prevailing risk factors, and recommendation
  • Ensure appropriateness of Risk Ratings and facility Classifications at time of Originations and/or during the Annual Review process
  • Ensure data capture associated with approved extensions of credit are accurate.
  • Ensure compliance with credit policies and procedures and applicable law and regulatory requirements, and achieve satisfactory ratings from internal and external auditors.
  • Support business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels. 
  • Build a solid understanding of Citibank products and services both within Retail Business Banking.
  • Coordinate with bankers on customer calls and site visits, when appropriate.
  • Project participation as needed.


  • Bachelor's degree in Finance or Accounting, or equivalent experience.
  • Minimum 5 years working in a financial institution performing commercial credit analysis in an underwriting and/or portfolio management role
  • Expertise in underwriting business working capital lines, term loans and real estate transactions with Small Business Administration (SBA) and Healthcare experience also preferred, but not required
  • Prior experience working in a regulatory and compliance policy environment


  • Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry and competitive analysis and projections
  • Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
  • Strong ability to assess risks and make decisions using sound judgment
  • Excellent organizational skills, strong multi-tasking capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
  • Strong inter-personal and written / verbal communication skills
  • Strong problem recognition and resolution skills
  • Ability to evaluate, negotiate structure and/or monitor extensions of credit.
  • Pro-active disposition with ability to work independently and within a team
  • Proficient in various spreadsheet and word processing applications (Excel and Word), PowerPoint, and financial analysis software


Grade :All Job Level - All Job FunctionsAll Job Level - All Job Functions - US


Time Type :Full time


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

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