SVP Credit Officer, Industrials

Citi

. Facilitate the end-to-end lending process within the US Commercial Bank for assigned relationships and portfolio .

Posted 9/17/2026full-timeIrving • Illinois • United StatesLead💰 $144,480 - $216,720 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive experience in credit underwriting and risk management within the commercial banking sector, with a strong ability to analyze credit views and make informed decisions. Proficient in mentoring junior staff and improving processes for efficiency and compliance.

Highest-signal resume keywords

Credit UnderwritingRisk ManagementPortfolio AnalysisRegulatory ComplianceCommunication Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisFinancial Memo PreparationIntermediate Accounting TheoryCredit Decision MakingProblem Recognition and Resolution

Soft Skills

Organizational SkillsLearning AgilityPresentation SkillsListening Skills

Tools & Technologies

Spreadsheet ApplicationsWord Processing Applications

Certifications & Qualifications

Bachelor’s DegreeAdvanced Degrees

Industry Keywords

Commercial LendingCross-Border LendingCredit ProductsClient Relationship ManagementFinancial Services

About the role

Key responsibilities & impact

Facilitate the end-to-end lending process within the US Commercial Bank for assigned relationships and portfolio
Analyze and support credit views based on portfolio and industry knowledge, balancing risk and business objectives
Ensure appropriate regulatory classification, minimize net credit losses, and escalate emerging concerns
Make credit decisions using approval authority in tandem with Independent Risk
Manage underwriting workflow for new and existing credit relationships, including pre-screening, amendments, extensions, annual reviews, and related diligence
Prepare monthly and/or quarterly financial memo reviews to monitor borrower covenant compliance and address concerns
Direct and supervise loan documentation for new transactions and amendments, coordinating with internal partners and outside legal counsel
Conduct periodic client calls with portfolio clients and selected new-to-bank opportunities
Develop knowledge of credit products and services offered to Commercial Bank clients
Mentor and develop junior staff
Recommend process improvements for efficiency and controls
Work with internal and external stakeholders to advance transactions in accordance with controls
Provide sector and sub-segment insights, contribute to industry-specific risk and portfolio content, and lead credit-specific risk assessments
Advise or lead strategic US or Global CLM initiatives and deliver credit skills training

Requirements

What you’ll need

Experienced senior credit underwriting executive with deep and relevant CLM industry expertise, particularly in commercial and cross-border lending
10+ years of experience in credit underwriting, portfolio and/or risk management with a large multinational financial services organization
Knowledge of intermediate accounting theory and its practical application in credit underwriting
Excellent written, verbal, presentation, and listening communication skills
Strong organizational skills and ability to complete multiple priorities in a timely manner
Strong credit sense and ability to articulate a view across a range of credit products
Experience in early problem recognition and resolution
Learning agility and ability to apply learning to new situations
Ability to make timely, transparent credit decisions and defend credit views
Proficiency in spreadsheet and word processing applications
Bachelor’s degree
Advanced degrees and other certifications considered but not required

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
Discretionary and formulaic incentive and retention awards may be available for eligible employees