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. 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 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 Vice President, Credit Officer to join the U.S. CLM Retail & Consumer Products team. This role reports to the U.S. CLM Retail & Consumer Products Team Lead and will be based in Chicago, a key Citi commercial banking and credit hub.

Role Overview

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.

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 is a critical partner 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 maintain 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.

Key Responsibilities

Credit Underwriting & Portfolio Management

• Lead underwriting and credit analysis for new and existing commercial clients within the Retail & Consumer Products vertical
• Approve and manage a material level of credit exposure in partnership with Independent Risk
• Conduct annual and interim credit reviews, amendments, renewals, and extensions
• Apply sound judgment to structure transactions consistent with risk appetite and business strategy

Risk Monitoring & Controls

• Monitor portfolio performance, covenant compliance, and emerging risks
• Identify potential credit concerns early and take appropriate actions to mitigate risk
• Ensure accurate risk ratings, regulatory classifications, and compliance with internal policies

Stakeholder Partnership

• Partner closely with Relationship Managers, Product partners, and Independent Risk to support client objectives
• Participate in client calls and discussions related to credit matters
• Represent credit views effectively in internal forums and approval discussions

Execution & Documentation

• Direct and oversee loan documentation processes for new transactions and amendments
• Coordinate with internal partners and external counsel to ensure accurate implementation of credit terms

Leadership & Development

• Mentor and support junior credit staff and analysts
• Contribute to process improvements and efficiency initiatives within CLM
• Support training and development efforts to strengthen credit capability across CCB

Qualifications & Experience

• Experienced credit underwriting executive with a deep and relevant Retail and Consumer Product industry expertise, particularly in commercial and cross-border lending
• 5+ years of experience in credit underwriting, portfolio and/ or risk management with a large multinational financial services organization
• Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
• Excellent communication (written, verbal, presentation and listening) and organizational skills; ability to complete multiple priorities in a timely manner
• Strong credit sense and ability to articulate a view, work across a range of credit products, with experience in early problem recognition and resolution skills
• Demonstrates learning agility: Seeks out resources and experience to continually build knowledge/skills; quickly and successfully applies learning to new situations
• Reaches decisions in a timely and transparent manner, knows when enough information has been collected to make sound decisions, takes calculated risks with the confidence to defend their credit view
• Proficient in various spreadsheet and word processing applications
• Bachelor’s degree; advanced degree(s) and other certifications considered but not required

Job Family Group:

Risk Management

Job Family:

Credit Risk

Time Type:

Full time

Primary Location:

Chicago Illinois United States:

Primary Location Full Time Salary Range:

$114,720.00 - $172,080.00

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 citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

Anticipated Posting Close Date:

Apr 14, 2026

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