Credit Officer, Financial Institutions — Assistant Vice President

Job description

Citi is looking for a Credit Officer at the Assistant Vice President level to join its Institutional Credit Management (ICM) team, a first line of defense function responsible for end-to-end credit underwriting and monitoring across Citi's wholesale institutional client base. In this individual contributor role, you will own the full credit assessment lifecycle for a portfolio of Financial Institutions clients — including banks, broker-dealers, and insurance companies — with a focus on supporting relationships across Japan and Hong Kong. Your credit judgements will directly inform approval decisions at one of the world's leading global banks, making this a high-impact opportunity for a credit professional ready to operate with real ownership and precision. Responsibilities Own a dedicated portfolio of Financial Institutions clients — including banks, broker-dealers, and insurance companies — conducting ongoing credit risk assessment and continuous portfolio monitoring to maintain accurate and current credit positions. Lead the preparation of Credit Approval Memo packages, ensuring all documentation is complete, accurate, and reflects a thorough evaluation of the client's credit profile ahead of approval. Conduct in-depth financial analysis, due diligence, projection modelling, stress testing, and risk rating assessments to evaluate client creditworthiness and support lending decisions. Execute the end-to-end underwriting process, from early origination discussions through to final credit memo development, in alignment with global and regional credit standards. Produce annual and quarterly portfolio reviews, as well as ad-hoc transaction analyses and industry-level stress testing, to support proactive risk identification and monitoring. Assess financing and product structures, evaluating risk asset allocation and risk capital considerations in coordination with Banking and Risk stakeholders. Build and maintain effective working relationships with stakeholders across Banking, Risk, regulatory bodies, Internal Audit, and control functions to support sound credit decision-making. Contribute to strategic initiatives and projects within the ICM Underwriting organisation, applying credit expertise to support broader business objectives. Required Qualifications & Skills Five to eight years of relevant experience in credit risk, credit underwriting, or a related financial services discipline, with direct exposure to Financial Institutions such as banks, broker-dealers, or insurers. Demonstrated ability to assess the creditworthiness of institutional clients through rigorous financial analysis, including projection modelling, stress testing, and risk rating methodology. Solid grounding in global credit risk management standards and the ability to evaluate complex financing structures and product arrangements. Clear and confident communicator — both written and verbal — with the ability to present well-reasoned credit assessments to audiences of varying seniority and background. Effective at building working relationships across multiple functions and geographies, navigating organisational complexity to deliver balanced and timely credit outcomes. Demonstrated ability to assess risk-return trade-offs across transactions and client relationships, providing balanced, evidence-based recommendations to stakeholders. Bachelor's degree or equivalent professional experience in finance, economics, accounting, or a related field. Beneficial Skills & Qualifications Familiarity with local market dynamics, regulatory frameworks, and the competitive landscape across the Japan and Hong Kong financial sectors. Experience engaging with regulators, internal audit functions, or external oversight bodies in a credit or risk capacity. Exposure to portfolio-level and industry-level credit review processes, including sector stress testing and thematic risk analysis. What We Offer At Citi, you will work within a high-performing global team that operates at the centre of institutional credit decision-making. This role offers genuine ownership over a meaningful client portfolio, direct exposure to senior stakeholders, and the opportunity to deepen your expertise across one of the most dynamic regions in global financial services. A hybrid working model structured around 3 days in the office and 2 days working remotely, providing flexibility while maintaining strong team collaboration. Regional scope and impact, with direct responsibility for client portfolios across Japan and Hong Kong, offering meaningful cross-border exposure at the institutional level. Access to structured learning and development programmes to support continued professional growth in credit risk and financial services. A collaborative, performance-driven environment where your credit work directly shapes outcomes for major institutional clients. Competitive compensation and access to Citi's broader financial wellbeing and employee support programmes. The scale and breadth of a leading global bank, with the career progression opportunities that come with it. Apply now to bring your credit expertise to a global team where your judgement shapes real decisions for some of the world's most significant financial institutions. #LI-WP1 ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Credit Risk ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ 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. ------------------------------------------------------ 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. 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