Credit Officer - Industrials; 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 $100 million to $3 billion and greater than $10 million of credit exposure. To facilitate the CCB’s wholesale lending activities, Commercial Lending Management (CLM) serves as an in‑business credit function organized around strategic industries and a global target market approach.

CLM plays a critical role of 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 Industrials team. The position reports directly to the US CLM Industrials Sub‑Sector Head. 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 can include 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.

• Facilitate the end‑to‑end lending process within the US CCB for the assigned relationships and portfolio
• 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 minimizing net credit losses for covered portfolio, as well as identify emerging areas of concerns that should be escalated
• Provide accountability for decisioning using credit covering approval authority in tandem with Independent Risk
• Directly manage the analysis and workflow of underwriting requests for new‑to‑bank and existing credit relationships, including pre‑screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, including the related diligence
• Lead the timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio
• Direct and supervise the loan documentation process for both new transactions and amendments or modifications; including coordination with internal partners and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents
• Conduct periodic client calls on all portfolio clients and select new to bank opportunities in partnership with the Relationship Manager
• Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients
• Mentor and develop junior staff to become effective resources and future Credit Officers and Bankers
• Recommend changes to improve existing processes to achieve greater efficiency and controls
• Work proactively, and in a constructive and diplomatic manner, with internal and stakeholders to keep transactions moving forward and in accordance with appropriate controls

• Experienced senior credit underwriting executive with a deep and relevant industry expertise, particularly in commercial and cross‑border lending
• 10+ years of experience in credit underwriting, portfolio and/or risk management with a…