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AVP, Commercial Underwriter- Citi Cards

Job Req ID 22582071 Location(s) Roy, Utah; Jacksonville, Florida; Irving, Texas Job Category Risk Management
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The Credit Risk Senior Analyst (Commercial UW) is a seasoned professional role. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and work-flow for the area or function. Integrates subject matter and industry expertise within a defined area. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Strong communication and diplomacy skills are required. Regularly assumes informal/formal leadership role within teams. Involved in coaching and training of new recruits Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Work and performance of all teams in the area are directly affected by the performance of the individual.


  • Performs in-depth financial statement analysis utilizing ratios and trends to underwrite and manage new and existing relationships with exposures primarily up to $250,000 in addition to high-risk credits.
  • Understanding of various types of business financial statements ranging from internally prepared to audited including Nonprofit and Government entities.
  • Integrates in-depth credit operations knowledge with a solid understanding of unsecured commercial lending within various industries.
  • Uses judgment to complete complex credit transactions with direct customer interaction including the collection of required supporting documents.
  • Oversees credit application process to include credit verification and determination of credit limits. Ability to read, understand and analyze Commercial and Consumer credit reports to make credit decisions.,
  • Applies analytical thinking and knowledge of credit analysis tools and methodologies.
  • Correspond with various internal and external groups, including Risk, Senior Management and Partners, presents in quarterly reviews and provides timely updates regarding file status.
  • May serve on special project teams as assigned.
  • Mentor lower level analysts.
  • Additional assignments as business needs are identified.


  • 5+ years of commercial credit experience with a Bachelor’s degree or equivalent experience.
  • Good corporate and credit and exposure analysis skills.
  • Previously demonstrated ability to read/review/analyze and spread commercial financial statements, interpret commercial credit bureau reports, analyze trade experience and utilize external financial resources to underwrite commercial credit requests.
  • Strong analytical, process and project management skills.
  • Strong communication (written and verbal), customer service, multi-tasking skills.
  • Proficient phone etiquette, typing, computer proficiency in MS Office.
  • Ability to learn and utilize various internal systems.
  • Familiar with the application of lending regulations including KYC and FinCEN.
  • Prior commercial credit decisions and lending authority desired.

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

The ideal candidate will have a solid understanding of commercial credit standards as well as in depth knowledge of commercial financial statement analysis.

This is a "hybrid" position (i.e. working both in the office and from home each week)


Job Family Group:

Risk Management


Job Family:

Credit Decisions


Time Type:

Full time


Primary Location:

Roy Utah United States


Primary Location Salary Range:

$79,130.00 - $118,700.00


Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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.

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Effective November 1, 2021, Citi requires that all successful applicants for positions located in the United States or Puerto Rico be fully vaccinated against COVID-19 as a condition of employment and provide proof of such vaccination prior to commencement of employment.

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