Commercial Credit Officer – Commercial Banking (AVP)

Citi • Irving, TX

7d • $96,400 - $144,600 • Hybrid

About The Position

Citi is seeking a Commercial Credit Officer at the Assistant Vice President level to join its Commercial Lending Management team in Irving, Texas. This role involves end-to-end underwriting and portfolio management for a diverse book of middle-market commercial clients, working with Relationship Managers and Independent Risk. The position offers exposure to credit execution, risk oversight, and cross-functional collaboration within Citi's U.S. Commercial Bank.

Requirements

• Five to eight years of experience in commercial credit, underwriting, portfolio management, or credit risk within a financial services environment.
• Bachelor's degree in Finance, Accounting, Economics, Business, or a related field.
• Ability to analyze financial statements and cash flows to form an independent, well-reasoned credit view and communicate it clearly to stakeholders.
• Track record of managing multiple credit transactions simultaneously, meeting deadlines, and maintaining quality across competing priorities.
• Clear and precise written and verbal communication skills, with the ability to present credit analysis and risk assessments to senior stakeholders.

Nice To Haves

• Prior experience at a large or regional financial institution with exposure to middle-market or commercial banking clients.
• Familiarity with loan documentation, credit agreement structures, and closing processes.
• Advanced degree or a professional certification such as CFA or CPA.

Responsibilities

• Manage the end-to-end credit process for new and existing commercial relationships, from initial assessment through approval and ongoing portfolio oversight.
• Prepare and review underwriting analyses for new transactions, renewals, amendments, and annual reviews, ensuring a clearly articulated and well-supported credit view.
• Assess credit risk on new lending opportunities in partnership with Relationship Managers, evaluating financial performance, structure, and key risk factors.
• Monitor portfolio performance across financial trends, covenant compliance, and exposure levels, escalating emerging risks with recommended mitigation actions.
• Ensure accuracy of risk ratings and regulatory classifications across the assigned portfolio.
• Coordinate loan documentation and closing processes in partnership with legal and internal stakeholders, managing timelines and credit workflow to keep transactions on track.
• Partner with Banking, Risk, Legal, and Product teams on active deals and portfolio reviews, building strong working relationships that support effective deal execution.
• Guide junior analysts on underwriting tasks and contribute to process improvements that strengthen efficiency and credit controls.

Benefits

• medical, dental & vision coverage
• 401(k)
• life, accident, and disability insurance
• wellness programs
• paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level