Underwriter - C13 - IRVING

Citi’s US Commercial Bank (CCB) is a rapidly growing business that targets emerging, mid‑ and larger‑sized companies with annual revenue ranging from $100million to $3billion and more than $10million of credit exposure. To support CCB’s wholesale lending activities, Commercial Lending Management (CLM) functions as an in‑business credit unit organized around strategic industries and a 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 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 Services 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. The role involves credit underwriting, due diligence, structuring and documentation, and portfolio monitoring. As part of the business, the CLM Credit Officer works in direct partnership with Relationship Managers and Independent Risk to execute on the firm’s and client’s business objectives, including working capital solutions, term loans, M&A financing, treasury and liquidity management services, foreign exchange, trade finance, and interest rate derivatives.

• Facilitate the end‑to‑end lending process within the US CCB for the assigned relationships and portfolio.
• Be knowledgeable of the assigned portfolio and industry, and articulate 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 the covered portfolio, while identifying emerging areas of concern 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, facilitating amendments and extensions, performing annual reviews, and handling 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, raise potential concerns, and take necessary actions in partnership with key stakeholders.
• Direct and supervise the loan documentation process for both new transactions and amendments or modifications; coordinate with internal partners and/or outside legal counsel to ensure all credit approval terms and conditions are 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 extensive knowledge of 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 constructively with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls.

• 6‑10 years of previous credit authority experience, with prior experience in a regulatory and compliance policy environment.
• Proven analytical skills, including the ability to understand and assess individual and company financial statements, cash flow, industry/competitive analysis, and projections; able to work with complicated business structures involving foreign subsidiaries and/or parent organizations.
• Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process.
• Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast‑paced environment.
• Effective interpersonal and written/verbal communication skills.
• Thorough problem recognition…