Assistant Vice President, Credit Officer – Asset‑Based Finance

Citi

. Supports the underwriting and ongoing management of a portfolio of asset‑based and structured commercial lending relationships .

Posted 4/9/2026full-timeChicago • Illinois, Texas • 🇺🇸 United StatesLead💰 $96,400 - $144,600 per yearWebsite

About the role

Key responsibilities & impact

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

What you’ll need

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

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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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