Commercial Credit Officer

Citi

. Manage end-to-end credit underwriting for new and existing commercial relationships .

Posted 9/17/2026full-timeIrving • Texas • United StatesMid-LevelSenior💰 $114,720 - $172,080 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in credit underwriting and portfolio management, with a strong focus on financial analysis, regulatory compliance, and mentoring junior professionals. Proficient in evaluating complex business structures and presenting credit assessments to stakeholders.

Highest-signal resume keywords

Credit UnderwritingFinancial Statement AnalysisRegulatory CompliancePortfolio ManagementCash Flow Modeling

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisFinancial ModelingTrend AnalysisRatio AnalysisAccounting PrinciplesCovenant ComplianceData PresentationEnterprise ValuationCredit RecommendationsComplex Credit Issue Resolution

Soft Skills

MentoringCommunicationCollaborationAnalytical ThinkingProblem Solving

Tools & Technologies

ExcelWord

Certifications & Qualifications

Master's Degree in FinancePostgraduate Qualification in Business

Industry Keywords

Commercial BankingCorporate BankingCredit PoliciesWorking Capital FacilitiesTerm LoansAcquisition FinanceTrade FinanceDerivativesFinancial ReviewsRisk Ratings

About the role

Key responsibilities & impact

Manage end-to-end credit underwriting for new and existing commercial relationships
Conduct pre-screening, credit appetite assessment, approval, documentation, and ongoing portfolio oversight
Assess commercial borrower creditworthiness through financial statement analysis, cash flow modeling, trend analysis, and ratio analysis
Evaluate complex business structures, including international subsidiaries
Prepare written credit analyses covering financing needs, risks, structural considerations, and credit recommendations
Monitor borrowers through monthly and quarterly financial reviews
Track covenant compliance and identify and escalate early warning indicators
Oversee loan documentation for new transactions and amendments
Coordinate with internal partners and external legal counsel
Maintain regulatory compliance, accurate risk ratings, appropriate classification, and adherence to credit policies and regulatory frameworks
Mentor and develop junior credit professionals
Contribute to training initiatives and wider commercial banking credit skills

Requirements

What you’ll need

5+ years of credit underwriting and portfolio management experience within a commercial or corporate banking environment
Background operating within regulatory and compliance policy frameworks
Ability to analyze and interpret complex financial statements, cash flow positions, and industry-specific performance metrics
Ability to evaluate sophisticated or multi-entity business structures, including international subsidiaries
Working knowledge of accounting principles and their practical application in credit underwriting
Ability to manage multiple transactions, meet deadlines, and maintain accuracy
Ability to present credit views and engage with relationship managers, risk teams, senior stakeholders, and external counterparties
Ability to identify, analyze, and resolve complex credit issues
Proficiency in Excel and Word, including financial modelling, enterprise valuation, data presentation, and analytical tools
Familiarity with commercial lending products including working capital facilities, term loans, acquisition finance, trade finance, and derivatives
Master's degree or postgraduate qualification in finance, business, or a related discipline (beneficial)

Benefits

Comp & perks

A hybrid working arrangement with 3 days in the office and 2 days working remotely
Direct exposure to complex financing transactions across a specialist industry vertical
Opportunity to take ownership of high-profile credit decisions and represent the portfolio in senior internal forums
Structured environment for career progression
Access to Citi's global network
Medical, dental & vision coverage
401(k)
Life, accident, and disability insurance
Wellness programs
Paid vacation/planned time off
Paid sick leave/unplanned time off
Paid holidays
Discretionary and formulaic incentive and retention awards may be available for eligible employees