Citi Commercial Bank - SVP Credit Officer, Industrials

Citi Commercial Bank - Commercial Lending Management – Credit Officer, Industrials, SVP Citi’s US Commercial Bank (CCB) is a rapidly growing business, targeting emerging, mid- and larger-sized companies with annual revenue generally from $100 million to $3 billion. To facilitate the CCB’s wholesale lending activities, Commercial Lending Management (CLM) serves as an in-business credit function organized around our strategic industries and global target market approach. CLM plays a critical role of the client delivery model for the CCB, translating thought-leadership, industry and product expertise, and an end-to-end ownership of the credit relationship into best-in-class lending solutions. We are seeking a dynamic and motivated credit professional to join the US CLM Industrials Industry vertical team. The position reports directly to the US CLM Industrials Industry Head and may based in New York City, New York, Chicago Illinois, Dallas, Texas or Los Angeles, California. The CLM Credit Officer facilitates the end-to-end lending process for a covered industry vertical through a team of credit professionals. CLM is essential for the delivery of a wide range of financial solutions to Citi CCB clients, working in direct partnership with Relationship Managers and Independent Risk, to execute on the firm’s and client’s business objectives. Key Responsibilities Facilitate the end-to-end lending process within the US CCB for the assigned relationships and portfolio Knowledgeable of assigned portfolio and industry, and able to articulate and support a credit view based on well-supported analysis that effectively balances risk and business objectives Ensure appropriate regulatory classification and minimizing net credit losses for covered portfolio, as well as identify emerging areas of concerns that should be escalated Provide accountability for decisioning using credit covering approval authority in tandem with Independent Risk Directly manage the analysis and workflow of underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, including the related diligence Lead the timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio Direct and supervise the loan documentation process for both new transactions and amendments or modifications; including coordination with internal partners and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents Conduct periodic client calls on all portfolio clients and select new to bank opportunities in partnership with the Relationship Manager Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients Mentor and develop junior staff to become effective resources and future Credit Officers and Bankers Recommend changes to improve existing processes to achieve greater efficiency and controls Work proactively, and in a constructive and diplomatic manner, with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls Qualifications Experienced senior credit underwriting executive with a deep and relevant CLM industry expertise, particularly in commercial and cross-border lending 10+ years of experience in credit underwriting, portfolio and/ or risk management with a large multinational financial services organization Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process Excellent communication (written, verbal, presentation and listening) and organizational skills; ability to complete multiple priorities in a timely manner Strong credit sense and ability to articulate a view, work across a range of credit products, with experience in early problem recognition and resolution skills Demonstrates learning agility: Seeks out resources and experience to continually build knowledge/skills; quickly and successfully applies learning to new situations Reaches decisions in a timely and transparent manner, knows when enough information has been collected to make sound decisions, takes calculated risks with the confidence to defend their credit view Proficient in various spreadsheet and word processing applications Bachelor’s degree: advanced degree(s) and other certifications considered but not required Job Family Group: Risk Management Job Family: Credit Risk Time Type: Full time Primary Location: Irving Texas United States Salary Range: $144,480.00 - $216,720.00 In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. 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. Benefits medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. Most Relevant Skills Analytical Thinking Credible Challenge Financial Analysis Governance, Policy, Procedure, and Regulation Risk Management Lifecycle Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. Anticipated Posting Close Date: Sep 24, 2026 Automated Processing and AI We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi. Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details. 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