Commercial Credit Officer

Citi

Commercial Credit Officer managing credit underwriting and portfolio for mid-to-large companies at Citi. Assessing credit risk and partnering with bankers for best outcomes.

Posted 7/10/2026full-timeIrving • Texas • 🇺🇸 United StatesMid-LevelSenior💰 $114,720 - $172,080 per yearWebsite

About the role

Key responsibilities & impact

Manage the end-to-end credit underwriting process for new and existing commercial relationships, from initial pre-screening and credit appetite assessment through to approval, documentation, and ongoing portfolio oversight
Assess the creditworthiness of commercial borrowers by conducting detailed financial statement analysis, cash flow modeling, trend, and ratio analysis, and evaluating complex business structures including those with international subsidiaries
Prepare comprehensive written credit analyses that articulate the financing need, key risk factors, structural considerations, and a well-supported credit recommendation
Monitor existing borrowers through monthly and quarterly financial reviews, tracking covenant compliance, identifying early warning indicators, and escalating emerging concerns to relevant stakeholders
Oversee the loan documentation process for new transactions and amendments, coordinating with internal partners and external legal counsel to ensure all approval terms are accurately reflected in closing documents
Maintain regulatory compliance across the portfolio by ensuring accurate risk ratings, appropriate classification, and adherence to all applicable credit policies and regulatory frameworks
Mentor and develop junior credit professionals, sharing technical expertise and contributing to training initiatives that build credit skills across the wider commercial banking team

Requirements

What you’ll need

5+ years of credit underwriting and portfolio management experience within a commercial or corporate banking environment
Ability to analyze and interpret complex financial statements, cash flow positions, and industry-specific performance metrics for companies with sophisticated or multi-entity structures
Working knowledge of accounting principles and their practical application in a credit underwriting context
Highly organized with the ability to manage multiple transactions simultaneously, meet deadlines consistently, and maintain accuracy in a fast-moving environment
Clear and confident communicator, able to present credit views and engage constructively with relationship managers, risk teams, senior stakeholders, and external counterparties
Skilled at identifying, analyzing, and resolving complex credit issues, balancing risk considerations with commercial objectives to reach sound conclusions
Proficient in Excel and Word, including financial modelling, enterprise valuation, data presentation, and the use of analytical tools to support credit decisions

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

Cash Flow ModelingTrend AnalysisRatio AnalysisLoan DocumentationRisk AssessmentFinancial ModelingEnterprise Valuation

Soft Skills

Clear CommunicationOrganizational SkillsProblem Solving