Credit Officer – Commercial Banking (Consumer & Retail Products)

Citi • New York, NY

1d • $109,120 - $163,680 • Hybrid

About The Position

As a Commercial Banking Credit Risk Assistant Vice President at Citi, the Credit Officer underwrites and manages credit risk for a portfolio of commercial lending relationships within Citi’s Commercial Bank. The bank serves companies across the United States and Canada with annual revenue between $100 million and $3 billion. The role partners directly with Relationship Managers and Independent Risk to shape lending solutions for clients in the Consumer & Retail industry vertical, covering working capital, term loans, treasury services, trade finance, and interest rate derivatives.

The position offers opportunities to build deep credit expertise, influence portfolio strategy, and contribute to strategic initiatives across Commercial Lending Management in North America. It is hybrid, with three days in the office and two days working remotely. Citi also describes learning and development resources and resources supporting financial wellbeing and work-life balance.

Requirements

• 4 to 6 years of experience in credit underwriting, portfolio management, or risk management within a multinational financial services organization.
• Knowledge of core accounting and financial concepts and the ability to apply them effectively in credit underwriting.
• Strong written, verbal, and presentation communication skills to convey credit analysis clearly to stakeholders.
• Organizational skills to manage multiple priorities and meet deadlines in a fast-paced environment.
• Learning agility to quickly build new knowledge and apply it to evolving credit situations.
• Proficiency in spreadsheet, word processing, and presentation applications, including strong data visualization skills.

Responsibilities

• Underwrite credit risk across a portfolio of commercial lending relationships, evaluating working capital solutions, term loans, treasury services, foreign exchange, trade finance, and interest rate derivatives.
• Conduct due diligence and financial analysis to assess borrower creditworthiness, market conditions, and appropriate credit structures for transactions.
• Monitor portfolio credit quality through quarterly and annual reviews, covenant tracking, and ongoing reporting.
• Maintain accurate risk ratings and classifications, identify early warning signs, and address them proactively.
• Apply Citi credit policies and procedures consistently to support sound lending decisions and regulatory compliance.
• Partner with Relationship Managers and Independent Risk to structure and document lending solutions that meet client and business objectives.
• Represent the covered portfolio in credit approval forums and respond to inquiries from internal and regulatory stakeholders.
• Deliver technical credit skills training across Commercial Banking teams and mentor junior colleagues.

Benefits

• Medical, dental, and vision coverage
• 401(k)
• Life, accident, and disability insurance
• Wellness programs
• Paid time off, including planned vacation, unplanned sick leave, and paid holidays
• Learning and development resources
• Resources supporting financial wellbeing and work-life balance
• Discretionary and formulaic incentive and retention awards may be available to eligible employees

What This Job Offers

• Job Type: Full-time
• Career Level: Manager
• Education Level: No Education Listed