Senior Credit Risk Officer, Commercial Bank — Senior Vice President

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Job Overview

Citi is looking for a Senior Credit Risk Officer to join the Independent Risk Management team supporting the Citi Commercial Bank (CCB), with accountability for independent credit assessment and decisioning across a diverse portfolio of Australian commercial clients. The Citi Commercial Bank serves mid-market and commercial clients across Australia, providing a full suite of banking solutions — from lending and treasury to trade and working capital — backed by Citi's global network and expertise. In this senior role, you will hold individual credit authority and play a decisive part in maintaining the quality and integrity of the CCB's lending portfolio while enabling new business growth. This is a high-visibility opportunity to operate at the forefront of credit risk management within one of the world's leading financial institutions.

Responsibilities

• Serve as a final credit approver for the Citi Commercial Bank, exercising individual delegated credit authority to credit proposals across new transactions, renewals, and modifications.
• Assess complex credit proposals by evaluating borrower financial performance, credit structure, industry dynamics, business strategy, and key risk factors to form well-substantiated credit decisions.
• Conduct both historical and forward-looking financial analysis, including detailed cash flow modelling, to evaluate repayment capacity and inform credit outcomes.
• Monitor an assigned portfolio of commercial client credits, identify early signs of credit deterioration, and collaborate with business partners to design and execute risk mitigation strategies.
• Ensure all credit decisions and portfolio activities comply with Citi's risk management policies, procedures, and applicable regulatory requirements.
• Collaborate effectively with Relationship Managers, Underwriters, and other front-line teams to provide constructive guidance on credit structuring and risk identification, maintaining a balanced approach to risk and commercial opportunity.
• Mentor junior risk analysts and business partners, building credit analysis capability and reinforcing sound risk practices across the team.
• Contribute to portfolio reviews, stress testing, and strategic risk initiatives, delivering insights on portfolio trends, concentrations, and emerging risks to senior leadership.

Required Qualifications & Skills

• A minimum of 12 years of experience in corporate banking, credit risk management, or a related financial services discipline, with formal credit training as a foundation.
• Demonstrated experience as a credit officer holding delegated credit authority, with a track record of independent credit decisioning on complex transactions.
• Extensive experience managing credit for mid-market or large corporate clients, including in-depth financial statement analysis and cash flow modelling.
• Expert knowledge of credit principles, loan structuring, lending practices, and risk management frameworks.
• Strong analytical and quantitative capability, with the ability to interpret complex financial information and make clear, well-supported credit judgements.
• Effective communication and influencing skills, with the ability to present and defend credit positions clearly to both specialist and non-specialist stakeholders.
• In-depth familiarity with loan documentation and credit structuring conventions, combined with the ability to operate with a high degree of independence and integrity in a fast-paced, global environment.

Beneficial Skills & Qualifications

• A bachelor's degree in Finance, Accounting, Economics, or a related field provides a strong foundation for this role.
• An MBA, CFA, or other advanced qualification is highly regarded and reflects the analytical depth expected at this level.

What We Offer

At Citi, senior professionals are given the authority, visibility, and resources to make a genuine impact. This role offers the opportunity to shape credit outcomes at scale, influence portfolio strategy, and develop as a leader within a world-class global financial institution.

• A high-visibility senior role with direct influence over the quality and performance of the commercial banking credit portfolio.
• Exposure to a broad range of industries and complex financing structures, deepening expertise across the commercial lending landscape.
• Regular engagement with senior leaders across Citi's global franchise, creating meaningful career progression pathways.
• Access to Citi's global learning and development resources, supporting continued professional growth at a senior level.

Apply now to take on a senior credit risk leadership role where your decisions shape the financial health of Citi's Commercial Bank portfolio in Australia.

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