Commercial Credit Officer – Commercial Banking; AVP

Citi’s Commercial Lending Management (CLM) team is a core in‑business credit function within the U.S. Commercial Bank. CLM partners directly with Relationship Managers and Independent Risk to deliver disciplined underwriting, strong portfolio oversight, and well‑structured lending solutions for middle‑market clients.

We are seeking a Commercial Credit Officer (AVP) to join our team in Irving, Texas, one of Citi’s largest commercial credit and risk hubs. This role offers end‑to‑end exposure to underwriting and portfolio management, supporting a diverse portfolio of commercial clients.

The Credit Officer (AVP) is responsible for supporting the underwriting, structuring, and ongoing monitoring of commercial lending exposures. The role partners closely with bankers and risk teams to evaluate new transactions, manage portfolio risk, and support credit approvals.

• Support the end‑to‑end credit process for new and existing commercial relationships
• Partner with Relationship Managers to assess new opportunities and key credit risks
• Prepare and review underwriting analysis for transactions, renewals, amendments, and annual reviews
• Support credit decisioning in partnership with Independent Risk

• Monitor portfolio performance, including financial trends, covenant compliance, and exposure levels
• Identify emerging risks and elevate issues with recommended mitigation actions
• Ensure appropriate risk ratings and regulatory classification

• Support loan documentation and closing processes in coordination with legal and internal stakeholders
• Assist in managing credit workflow, timelines, and deliverables for active transactions

• Partner with Banking, Risk, Legal, and Product teams across the organization
• Participate in internal credit discussions and portfolio reviews
• Build strong working relationships to support deal execution and portfolio management

• Provide guidance and support to junior analysts as needed
• Contribute to process improvements that enhance efficiency and controls
• Continue to build industry and credit product expertise

• 5–8 years of experience in commercial credit, underwriting, portfolio management, or credit risk
• Bachelor’s degree in Finance, Accounting, Economics, Business, or related field
• Strong foundation in financial statement analysis, cash flow analysis, and credit fundamentals
• Ability to assess credit risk and articulate a clear credit view
• Strong written, verbal, and organizational skills

• Experience with in a large or regional financial institution
• Exposure to middle‑market or commercial banking clients
• Advanced degree or professional certification (e.g., CFA, CPA) is a plus

$96,400.00 - $

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

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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