Vista previa generada por IA
Explore a career as Commercial Lending Credit Officer at Citi, leading U.S. commercial credit analysis and portfolio management.
Make an impact with Citi: conduct underwriting, ensure compliance, and drive performance for commercial lending clients.
Discover your future at Citi
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.
Job Overview
The Commercial Lending Credit Officer will perform underwriting and portfolio management for the U.S. based commercial lending clients. The team conducts moderate to complex credit and financial analysis and underwriting with exposure typically greater than $1MM while ensuring compliance with policies, procedures and regulations and the achievement of performance and budget targets.
RESPONSIBILITIES
- Analyze various U.S. industries and have a thorough knowledge of the risks associated with those industries
- Implement loan structure, terms and conditions with regard to a variety of loan and borrower situations.
- Support U.S. colleagues in sales, credit, and loan operations roles with adhering to processing and documentation guidelines for loan requests.
- Prepare detailed written credit memos that summarize results of financial and credit analysis including identification of strengths, prevailing risk factors, and recommendation
- Ensure appropriateness of risk ratings and facility classifications at time of Originations and/or during the Annual Review process
- Ensure data capture associated with approved extensions of credit are accurate.
- Ensure compliance with credit policies and procedures and applicable U.S. law and regulatory requirements, and achieve satisfactory ratings from internal and external auditors.
- Support business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels.
- Build a solid understanding of Citibank products and services
QUALIFICATIONS:
Bachelor's degree in Finance or Accounting, or equivalent experience.
Minimum 5 years working in a financial institution performing commercial credit analysis in an underwriting and/or portfolio management role
Expertise in underwriting business working capital lines, term loans and real estate transactions with Small Business Administration (SBA) experience also preferred, but not required
Prior experience working in a U.S. regulatory and compliance policy environment
SKILLS / ABILITIES:
- Strong analytical skills including the ability to read and assess individual and company U.S. tax returns, U.S. financial statements, cash flow, industry and competitive analysis and projections
- Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
- Strong ability to assess risks and make decisions using sound judgment
- Excellent organizational skills, strong multi-tasking capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
- Strong inter-personal and written / verbal communication skills
- Strong problem recognition and resolution skills
- Ability to evaluate, negotiate structure and/or monitor extensions of credit.
- Pro-active disposition with ability to work independently and within a team
- Proficient in various spreadsheet and word processing applications (Excel and Word), PowerPoint, and financial analysis software
Job Family Group
Risk Management
Job Family
Portfolio Credit Risk Management
Time Type
Full time
Most Relevant Skills
Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.