Commercial Credit Officer Commercial Banking (AVP)

Commercial Credit Officer Commercial Banking (AVP)

Discover your future at Citi. Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you'll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

Citi's Commercial Lending Management (CLM) team is a core in-business credit function within the U.S. Commercial Bank. CLM partners directly with Relationship Managers and Independent Risk to deliver disciplined underwriting, strong portfolio oversight, and well-structured lending solutions for middle-market clients.

We are seeking a Commercial Credit Officer (AVP) to join our team in Irving, Texas, one of Citi's largest commercial credit and risk hubs. This role offers end-to-end exposure to underwriting and portfolio management, supporting a diverse portfolio of commercial clients.

Role Overview

The Credit Officer (AVP) is responsible for supporting the underwriting, structuring, and ongoing monitoring of commercial lending exposures. The role partners closely with bankers and risk teams to evaluate new transactions, manage portfolio risk, and support credit approvals.

Key Responsibilities

Credit Underwriting & Portfolio Ownership

• Support the end-to-end credit process for new and existing commercial relationships
• Partner with Relationship Managers to assess new opportunities and key credit risks
• Prepare and review underwriting analysis for transactions, renewals, amendments, and annual reviews
• Support credit decisioning in partnership with Independent Risk

Risk Management & Monitoring

• Monitor portfolio performance, including financial trends, covenant compliance, and exposure levels
• Identify emerging risks and escalate concerns with recommended mitigation actions
• Ensure appropriate risk ratings and regulatory classification

Execution & Transaction Support

• Support loan documentation and closing processes in coordination with legal and internal stakeholders
• Assist in managing credit workflow, timelines, and deliverables for active transactions

Stakeholder Collaboration

• Partner with Banking, Risk, Legal, and Product teams across the organization
• Participate in internal credit discussions and portfolio reviews
• Build strong working relationships to support deal execution and portfolio management

Leadership & Continuous Improvement

• Provide guidance and support to junior analysts as needed
• Contribute to process improvements that enhance efficiency and controls
• Continue to build industry and credit product expertise

Qualifications & Experience

• 58 years of experience in commercial credit, underwriting, portfolio management, or credit risk
• Bachelor's degree in Finance, Accounting, Economics, Business, or related field
• Strong foundation in financial statement analysis, cash flow analysis, and credit fundamentals
• Ability to assess credit risk and articulate a clear credit view
• Strong written, verbal, and organizational skills

Preferred (Not Required)

• Experience within a large or regional financial institution
• Exposure to middle-market or commercial banking clients
• Advanced degree or professional certification (e.g., CFA, CPA) is a plus

Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.