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Risk - CCB WE Cluster – Senior Credit Risk Officer / Credit Approvals – SVP

Job Req ID 22435206 Primary Location Stockholm, Sweden Job Category Risk Management
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Citi Commercial Bank (CCB) is a global line of business at Citigroup that provides commercial banking services to mid-sized companies. CCB aspires to be the global bank of choice for trade-oriented companies, with revenues between $50MM – $2.5Bn with an array of products and services, that include: Lending, Cash Management, Trade, Foreign Exchange, Interest Rate Derivatives and Capital Markets solutions. CCB has operations in 25 countries. CCB WE Cluster will be a fast growth business with vision to significantly scale up over the first five years and beyond. There must be sufficient capacity in the Risk management team to face this growth and be able to maintain the health of the portfolio, where approval is one of the primary roles to support the Business.

Key Outline

The Senior Credit Risk Officer is a strategic professional who will be exercising sound credit judgment to ensure prudent risk decision consistent with the Citi’s risk appetite and the balanced objectives of protecting the bank and enabling sustainably profitable business. Strong communication skills required in order to negotiate internally, often at a senior level.

This position reports to the Head of CCB WE Cluster Risk Management and is based in Stockholm.  

Key Responsibilities

  • Strategic professional who will undertake quality judgmental lending including exercising delegated approval authority to ensure that good business opportunities are not lost yet safeguarding the business interests of the Bank.

  • Responsible for critical assessment, recommendation and approval of credit proposals incorporating financial analysis, risk assessment and credit structure.

  • Oversee deal approvals including timing of approvals and turnaround in collaboration with business partners.

  • Keep abreast with latest industry and sector developments and apply them meaningfully in credit assessment.

  • Supplement analysis with research and evaluations from a wide variety of sources to develop an assessment of client, competitor/ industry risks and trends for senior management

  • Proactive involvement in active risk management through monitoring an assigned credit portfolio with a thorough understanding of the content and aggregate risks within the portfolio, trends and other key statistics.

  • Assist in the development of appropriate procedures around approvals, underwriting, and portfolio functions such as lending, early warning, derivatives, collateral, country appendix, remedial management consultation with senior business leaders.

  • Participate in any ad-hoc projects with meaningful contribution.

Critical Competencies of the ideal Candidate

  • Extensive credit experience with proven track record of successfully managing leveraged finance portfolios in the commercial/corporate lending space.

  • Excellent communication and diplomacy skills in order to negotiate internally, often at a senior level and occasionally with external customers.

  • Thorough credit and analytical skills, knowledge of credit products & derivatives.

  • Leads through change and ambiguity by communicating effectively both in person and in written.

  • Sound ability to train, recruit, and mentor teams of professionals.

  • Bold in approach to approve sound credit with highly collaborative work style.

  • Unwavering enthusiasm with a commitment to excellence, tenacity, attention to detail and integrity.


  • Minimum BA/BS degree, Master’s degree preferred

  • Extensive years of credit approval experience within Commercial /Mid Corporate Banking domain.

  • Strong analytical and problem-solving skills.

  • Strong verbal and written communication skills.

  • Industry specialisation and product knowledge will be beneficial.

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

Exceptional candidates who do not meet these criteria may be considered for the role provided they have the necessary skills and experience.

Valuing Diversity

Demonstrates an appreciation of a diverse workforce. Appreciates differences in style or perspective and uses differences to add value to decisions or actions and organizational success.


Job Family Group:

Risk Management


Job Family:

Credit Decisions


Time Type:

Full time


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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