Commercial Credit Officer – Commercial Banking (AVP)

Citi’s Commercial Lending Management (CLM) team is a core in‑business credit function within the U.S. Commercial Bank. CLM partners directly with Relationship Managers and Independent Risk to deliver disciplined underwriting, strong portfolio oversight, and well‑structured lending solutions for middle‑market clients. We are seeking a Commercial Credit Officer (AVP) to join our team in Irving, Texas, one of Citi’s largest commercial credit and risk hubs. This role offers end‑to‑end exposure to underwriting and portfolio management, supporting a diverse portfolio of commercial clients. Role Overview The Credit Officer (AVP) is responsible for supporting the underwriting, structuring, and ongoing monitoring of commercial lending exposures. The role partners closely with bankers and risk teams to evaluate new transactions, manage portfolio risk, and support credit approvals. Key Responsibilities Credit Underwriting & Portfolio Ownership Support the end‑to‑end credit process for new and existing commercial relationships Partner with Relationship Managers to assess new opportunities and key credit risks Prepare and review underwriting analysis for transactions, renewals, amendments, and annual reviews Support credit decisioning in partnership with Independent Risk Risk Management & Monitoring Monitor portfolio performance, including financial trends, covenant compliance, and exposure levels Identify emerging risks and escalate concerns with recommended mitigation actions Ensure appropriate risk ratings and regulatory classification Execution & Transaction Support Support loan documentation and closing processes in coordination with legal and internal stakeholders Assist in managing credit workflow, timelines, and deliverables for active transactions Stakeholder Collaboration Partner with Banking, Risk, Legal, and Product teams across the organization Participate in internal credit discussions and portfolio reviews Build strong working relationships to support deal execution and portfolio management Leadership & Continuous Improvement Provide guidance and support to junior analysts as needed Contribute to process improvements that enhance efficiency and controls Continue to build industry and credit product expertise Qualifications & Experience 5–8 years of experience in commercial credit, underwriting, portfolio management, or credit risk Bachelor’s degree in Finance, Accounting, Economics, Business, or related field Strong foundation in financial statement analysis, cash flow analysis, and credit fundamentals Ability to assess credit risk and articulate a clear credit view Strong written, verbal, and organizational skills Preferred (Not Required) Experience within a large or regional financial institution Exposure to middle‑market or commercial banking clients Advanced degree or professional certification (e.g., CFA, CPA) is a plus ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Credit Risk ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Primary Location: Irving Texas United States ------------------------------------------------------ Primary Location Full Time Salary Range: $96,400.00 - $144,600.00 In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit . Available offerings may vary by jurisdiction, job level, and date of hire. ------------------------------------------------------ Most Relevant Skills Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle. ------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ Anticipated Posting Close Date: Sep 16, 2026 ------------------------------------------------------ Automated Processing and AI We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi. Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details. Illinois residents – AI Notice and Right ------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi . View Citi’s EEO Policy Statement and the Know Your Rights poster.