Credit Officer - Commercial Banking, Consumer & Retail Products

As a Commercial Banking Credit Risk Assistant Vice President at Citi, you will underwrite and manage credit risk for a portfolio of commercial lending relationships within Citi's Commercial Bank, serving companies across the United States and Canada with annual revenue between $100 million and $3 billion. Working in direct partnership with Relationship Managers and Independent Risk, you will shape lending solutions covering working capital, term loans, treasury services, trade finance and interest rate derivatives for clients in the Consumer & Retail industry vertical. This role offers the opportunity to build deep credit expertise, influence portfolio strategy and contribute to strategic initiatives across Commercial Lending Management in North America.

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 the appropriate credit structure for each transaction.
• Monitor credit quality across the covered portfolio through quarterly and annual reviews, covenant tracking and ongoing reporting.
• Maintain accurate risk ratings and classifications for the portfolio, identifying early warning signs and addressing them proactively.
• Apply Citi's 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.

Required Qualifications & Skills

• 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, applied effectively within the credit underwriting process.
• 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.

What We Offer

Join a team where your credit expertise directly shapes lending decisions for growing businesses across North America.

• A hybrid working model, with 3 days in the office and 2 days working remotely.
• Exposure to a broad range of lending products and industries that deepens your credit expertise.
• Opportunities to contribute to strategic projects that shape Commercial Banking's credit approach across North America.
• Access to learning and development resources that support your ongoing career growth.
• Resources that support your financial wellbeing and work-life balance.

Apply today to help shape the future of credit risk management within Citi's Commercial Bank.   

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Job Family Group:

Risk Management

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Job Family:

Credit Risk

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Time Type:

Full time

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Primary Location:

New York New York United States

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Primary Location Full Time Salary Range:

$109,120.00 - $163,680.00

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.

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Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

Nov 16, 2026

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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.

Illinois residents – AI Notice and Right

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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.