Assistant Vice President, Credit Officer – Asset-Based Finance

Citi

. Support the underwriting and monitoring of assigned portfolio through monthly, quarterly, and annual reviews .

Posted 5/7/2026full-timeChicago • Illinois, Texas • 🇺🇸 United StatesLead💰 $96,400 - $144,600 per yearWebsite

About the role

Key responsibilities & impact

Support the underwriting and monitoring of assigned portfolio through monthly, quarterly, and annual reviews
Produce and review high-quality credit analysis supporting new originations, amendments, extensions, and renewals
Assist in assessing transaction structures, collateral quality, cash-flow performance, and key risk drivers
Help develop credit recommendations that balance risk, structure, and business objectives
Support ongoing monitoring of assigned portfolio
Track covenant compliance, collateral performance, and early warning indicators
Identify emerging risk issues and escalate concerns appropriately
Participate in client and internal meetings alongside senior underwriters and Relationship Managers
Partner with credit, risk, and product teams to support efficient transaction execution
Mentor junior analysts or support staff and contribute 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 analysisfinancial statement analysisrisk managementportfolio managementAsset-Based Lendingtransaction structure assessmentcovenant compliance trackingcollateral performance monitoringemerging risk identification

Soft Skills

written communicationverbal communicationteam developmentmentoringprioritizationcollaborationproblem-solvingclient interactionorganizational skillsadaptability

Certifications

Bachelor’s degree in FinanceBachelor’s degree in AccountingBachelor’s degree in Businessadvanced degreeprofessional certification