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Career Opportunity

Credit Risk Officer

Locations: Roy, Utah, Irving, Texas, Jacksonville, Florida Job Function: Risk Management Employee Status: Regular Job ID: 19125595

Credit Risk Officer

Grade/Title:  C13/VP

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

  • Irving, Texas
  • Roy, Utah
  • Jacksonville, Florida. 


  • 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.  
  • 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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