Credit Officer

Citi is looking for a Credit Officer to play a pivotal role in shaping sound credit decisions that directly influence the performance and growth of our small business and commercial lending portfolio. In this role, you will serve as a recognized subject matter authority, partnering closely with bankers and cross-functional teams to assess complex credit requests and deliver clear, risk-informed recommendations. You will also lead and mentor a team of 6 to 8 credit professionals, making this an exceptional opportunity to combine deep analytical expertise with meaningful people leadership. ## Responsibilities * Lead, mentor, and develop a team of 6 to 8 Credit Analysts, providing guidance, supporting performance, and fostering a high-quality underwriting culture. * Assess and underwrite commercial credit requests for new and existing clients, taking ownership of credit decisions that comply with risk policy standards and internal guidelines. * Prepare comprehensive written credit summaries that analyze business viability, identify key risk factors and strengths, and render well-supported final credit recommendations. * Conduct detailed financial analysis — including trend analysis, ratio analysis, and cash flow evaluation — on companies, individuals, guarantors, and co-borrowers to determine repayment capacity. * Perform industry research, geographical due diligence, and review of complex business structures, including entities with foreign subsidiaries or parent organizations. * Ensure ongoing compliance with Citi credit policies and regulatory requirements, supporting satisfactory outcomes in internal and external audits. * Identify and drive process improvements across the credit underwriting function to enhance efficiency and improve client service outcomes. ## Required Qualifications & Skills * 5–6 years of credit underwriting or credit authority experience within a financial institution, with a background in risk management. * Demonstrated experience managing or leading a team of associates, with the ability to guide performance, develop talent, and foster collaboration across a group. * Fluency in both English and Spanish (bilingual proficiency is required); applications and resumes must be submitted in English. * Demonstrated ability to analyze individual and corporate financial statements, cash flow models, tax returns, and complex organizational structures — including entities with international operations. * Solid grounding in accounting principles and their practical application in the credit underwriting process. * Prior experience operating in a regulatory or compliance-driven environment, with a clear understanding of risk management frameworks. * Proven ability to manage competing priorities, meet deadlines under pressure, and maintain a high standard of accuracy and attention to detail. * Effective communicator with strong interpersonal skills, capable of influencing and guiding colleagues across functions and seniority levels. * Proficiency in Microsoft Excel and Word, including financial modeling, graphs, and analytical tools. ## Beneficial Skills & Qualifications * Familiarity with financial regulations and the regulatory landscape governing commercial banking and lending. * Master's degree in Finance, Business, Economics, or a related discipline. * Experience leading credit teams through process improvement initiatives or organizational change in a fast-paced financial services environment. ## What We Offer At Citi, we invest in our people as much as we invest in our clients. Joining our Commercial Banking team means stepping into a role where your expertise has a tangible impact — on the business, on your team, and on your own career trajectory. We offer a supportive, collaborative environment where leadership, learning, and wellbeing are prioritized equally. * A hybrid working model — 3 days in the office and 2 days working remotely — giving you flexibility while keeping you connected to your team. * People leadership responsibility from day one, with a team of 6 to 8 direct reports to guide, develop, and inspire. * Access to Citi's global network, with opportunities to collaborate across business lines and geographies. * Continuous learning and development support, including access to training programs and career advancement pathways within Citi's broad financial services ecosystem. * Comprehensive wellbeing support, including financial wellbeing resources, health benefits, and family support programs. * A workplace that values inclusion, diverse perspectives, and meaningful work — where your contributions are recognized and your growth is supported. Apply today and bring your credit expertise, leadership skills, and people management experience to a role where your decisions carry real weight at one of the world's leading financial institutions. \------------------------------------------------------ ## Job Family Group: Risk Management \------------------------------------------------------ ## Job Family: Credit Risk \------------------------------------------------------ ## Time Type: Full time \------------------------------------------------------ ## Most Relevant Skills Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle. \------------------------------------------------------ ## Other Relevant Skills Constructive Debate, Escalation Management, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. \------------------------------------------------------ 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. 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. View Citi’s EEO Policy Statement and the Know Your Rights poster.