Overview
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. The Commercial Lending Management (CLM) function serves as an in-business credit provider organized around strategic industries and global target markets, delivering end-to-end credit relationships and best-in-class lending solutions. We are seeking a dynamic and motivated credit professional to join the US CLM Digital Tech & Comms team.
Key Responsibilities
- Facilitate the end-to-end lending process within the US CCB for the assigned relationships and portfolio
- Know the assigned portfolio and industry, articulate and support a credit view based on well-supported analysis balancing risk and business objectives
- Ensure appropriate regulatory classification and minimize net credit losses for the covered portfolio; identify emerging areas of concern to escalate
- 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, amendments and extensions, annual reviews, and related diligence
- Lead timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track loan covenant compliance and take necessary actions in partnership with key stakeholders
- Direct and supervise the loan documentation process for new transactions and amendments; coordinate with internal partners and/or outside counsel to ensure terms are accurately reflected in closing documents
- Conduct periodic client calls on portfolio clients and select new-to-bank opportunities in partnership with the Relationship Manager
- Develop and maintain extensive knowledge of 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 processes for greater efficiency and controls
- Work proactively with internal and external stakeholders to keep transactions moving forward in accordance with appropriate controls
Qualifications
- Experienced credit underwriting executive with deep, relevant industry expertise, particularly in commercial and cross-border lending
- 5+ 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 manage multiple priorities
- Strong credit sense and ability to articulate a view across a range of credit products; experience in early problem recognition and resolution
- Learning agility; ability to continually build knowledge/skills and apply learning to new situations
- Timely and transparent decision-making; ability to determine when enough information has been collected to make informed decisions; comfortable taking calculated risks with a defendable credit view
- Proficiency in spreadsheet and word processing applications
- Bachelor’s degree in Economics, Accounting, Finance, Mathematics, Data Science, Business, Engineering, Computer Science, or other quantitative field
- Advanced degrees and other certifications are considered but not required
Job Details
- Job Family Group: Risk Management
- Job Family: Credit Risk
- Time Type: Full time
- Primary Location: Irving, Texas, United States
- Salary Range: $114,720.00 - $172,080.00
In addition to salary, Citi’s offerings may include discretionary and formulaic incentive and retention awards. Citi offers benefits including medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also provides paid time off packages and holidays. Availability of programs varies by jurisdiction, job level, and date of hire.
Most Relevant Skills: Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
Other Relevant Skills: For complementary skills, please see above and/or contact the recruiter.
Anticipated Posting Close Date: Feb 03, 2026
Citi is an equal opportunity employer. Qualified candidates will receive consideration without regard to 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 require a reasonable accommodation to use our search tools or apply for a career opportunity, review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.
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