Senior Credit Officer — Vice President
Core
Senior credit authority leading end-to-end underwriting, risk assessment, and decision-making for commercial, corporate, and institutional lending portfolios.
Role type
Senior IC credit officer (Vice President)
Builds
Credit decisions and risk outcomes for Citi's commercial and institutional lending portfolio
Domain
Banking / Credit Risk / Financial Services
Required skills
Credit underwriting, Financial analysis, Regulatory compliance, Credit risk assessment, Portfolio management, Financial modeling, Industry research, Cash flow analysis, Credit memo writing, Team mentorship
Preferred skills
Commercial/institutional portfolio management, Cross-functional project leadership, Broad banking product knowledge
Technologies
Excel, Financial analysis tools
Responsibilities
Lead end-to-end credit underwriting for commercial and institutional lending requests; Produce detailed credit memos and written analyses assessing business viability and risk factors; Conduct in-depth financial analysis on companies with complex structures; Assess repayment capacity of individuals, guarantors, and co-borrowers; Perform industry and market research and geographical due diligence; Monitor compliance with credit policies and regulatory requirements; Mentor junior credit officers and provide coverage leadership.
Seniority
Senior, hands-on IC (Vice President level)