Credit Officer - Healthcare; Senior Vice President

Citi’s US Commercial Bank (CCB) is a rapidly growing business, targeting emerging, mid‑ and larger-sized companies with annual revenue generally from $100M to $3B. To facilitate the CCB’s wholesale lending activities, Commercial Lending Management (CLM) serves as an in‑business credit function organized around our strategic industries and global target market approach. CLM plays a critical role in the client delivery model for the CCB, translating thought‑leadership, industry and product expertise, and an end‑to‑end ownership of the credit relationship into best‑in‑class lending solutions.

We are seeking a dynamic and motivated credit professional to join the US CLM Healthcare team.

The CLM Credit Officer facilitates the end‑to‑end lending process for a covered industry vertical through a team of credit professionals. CLM is essential for the delivery of a wide range of financial solutions to Citi CCB clients, working in direct partnership with Relationship Managers and Independent Risk, to execute on the firm’s and client’s business objectives. This includes working capital solutions, term loans and M&A financing, treasury and liquidity management services, foreign exchange, trade finance, and interest rate derivatives.

The primary responsibilities of CLM include credit underwriting, due diligence, structuring and documentation, and portfolio monitoring. As part of the business and in direct partnership with relationship coverage bankers, CLM teams provide thorough, objective analysis of the financial condition and credit worthiness of borrowers, including prevailing covered industry sector and product/market conditions, as well as the appropriate credit structure based on various risk considerations.

The CLM Credit Officer is responsible for approving and managing a material amount of credit risk associated with capital deployed across a variety of lending products appropriate for commercial banking relationships. The CLM Credit Officer partners in the pre‑screening of pipeline opportunities with Relationship Management for assessing credit appetite and identifying key issues, providing structuring input on financing options, driving internal analytical work product and discussions on credit approvals, and maintaining ongoing credit oversight of the lending portfolio relationships through quarterly and/or annual reviews along with covenant and other reporting monitoring, as applicable.

The assigned industry/specialty vertical requires extensive knowledge of the unique sector/product drivers and key performance indicators to make well‑informed credit underwriting decisions and proactively manage the portfolio based on a dynamic environment. The CLM Credit Officer provides sector and sub‑segment insights for key internal and external stakeholders, contributes to industry‑specific risk and portfolio content, including industry‑level portfolio reviews, and leads the credit‑specific risk assessments on new originations and portfolio requests.

The CLM Credit Officer role also requires an extensive understanding of various Citi and CCB‑specific credit policies, processes, and procedures, and how to apply these concepts consistently in practice, including ensuring the portfolio is appropriately risk‑rated and classified, properly secured (if applicable), and that early warning signs are established and proactively addressed. CLM represents a critical “first line of defense” control function for the bank, ensuring the CCB’s credit process is conducted in accordance with all internal and regulatory frameworks, and is responsive to relevant inquiries.

• Facilitate the end‑to‑end lending process within the US CCB for the assigned relationships and portfolio
• Be knowledgeable of assigned portfolio and industry, and able to articulate and support a credit view based on well‑supported analysis that effectively balances risk and business objectives
• Ensure appropriate regulatory classification and minimize net credit losses for covered portfolio, as well as identify emerging areas of concern that should be escalated
• Provide accountability for decisioning using credit covering approval authority in…