Assistant Vice President, Credit Officer – Asset‑Based Finance
Citi
full-time
Posted on:
Location Type: Office
Location: Chicago • Illinois • Texas • United States
Visit company websiteExplore more
Salary
💰 $96,400 - $144,600 per year
Job Level
About the role
- Supports the underwriting and ongoing management of a portfolio of asset‑based and structured commercial lending relationships
- Produces and reviews high‑quality credit analysis supporting new originations, amendments, extensions, and renewals
- Assists in assessing transaction structures, collateral quality, cash‑flow performance, and key risk drivers
- Helps develop credit recommendations that balance risk, structure, and business objectives
- Supports ongoing monitoring of assigned portfolio through monthly, quarterly, and annual reviews
- Tracks covenant compliance, collateral performance, and early warning indicators
- Identifies emerging risk issues and escalates concerns appropriately
- Participates in client and internal meetings alongside senior underwriters and Relationship Managers
- Partners with credit, risk, and product teams to support efficient transaction execution
- Contributes to sector and portfolio‑level insights for internal stakeholders
- Supports credit workflows and documentation processes to ensure alignment with approved terms
- Recommends and champions process improvements to enhance efficiency, consistency, and controls
- Mentors junior analysts or support staff and contributes to team development
Requirements
- 3-5 years of related experience in credit underwriting, portfolio and/ or risk management with a multinational financial services organization
- Bachelor’s degree in Finance, Accounting, Business, or a related field
- Solid understanding of financial statements, cash‑flow analysis, and credit fundamentals
- Strong written and verbal communication skills
- Ability to manage multiple priorities in a fast‑paced environment
- Experience with Asset‑Based Lending or collateral‑focused structures
- Exposure to middle‑market commercial clients
- Advanced degree or professional certification a plus, but not required
Benefits
- medical, dental & vision coverage
- 401(k)
- life, accident, and disability insurance
- wellness programs
- paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit analysiscash-flow analysisrisk managementportfolio managementfinancial statement analysisasset-based lendingtransaction structure assessmentcovenant compliance trackingprocess improvement
Soft Skills
written communicationverbal communicationprioritizationteam developmentmentoring
Certifications
Bachelor’s degree in FinanceBachelor’s degree in AccountingBachelor’s degree in Business