Commercial Lending Credit Officer - Vice President

Commercial Lending Credit Officer - Vice President

Location:

Haryana, India

Job Type: Hybrid

Posted:
Jun. 16, 2026

The Commercial Lending Credit Officer will perform underwriting and portfolio management for U.S. based commercial lending clients. The team conducts moderate to complex credit and financial analysis and underwriting with exposure typically greater than $1MM while ensuring compliance with policies, procedures and regulations and the achievement of performance and budget targets.

• Analyze various U.S. industries and have a thorough knowledge of the risks associated with those industries
• Implement loan structure, terms and conditions with regard to a variety of loan and borrower situations
• Support U.S. colleagues in sales, credit, and loan operations roles with adherence to processing and documentation guidelines for loan requests
• Prepare detailed written credit memos that summarize results of financial and credit analysis including identification of strengths, prevailing risk factors, and recommendations
• Ensure appropriateness of risk ratings and facility classifications at time of originations and/or during the annual review process
• Ensure data capture associated with approved extensions of credit is accurate
• Ensure compliance with credit policies and procedures and applicable U.S. law and regulatory requirements, and achieve satisfactory ratings from internal and external auditors
• Support business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels
• Build a solid understanding of Citibank products and services

• Bachelor's degree in Finance or Accounting, or equivalent experience
• Minimum 5 years working in a financial institution performing commercial credit analysis in an underwriting and/or portfolio management role
• Expertise in underwriting business working capital lines, term loans and real estate transactions with Small Business Administration (SBA) experience also preferred, but not required
• Prior experience working in a U.S. regulatory and compliance policy environment

• Strong analytical skills including the ability to read and assess individual and company U.S. tax returns, U.S. financial statements, cash flow, industry and competitive analysis and projections
• Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
• Strong ability to assess risks and make decisions using sound judgment
• Excellent organizational skills, strong multi-tasking capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
• Strong inter-personal and written/verbal communication skills
• Strong problem recognition and resolution skills
• Ability to evaluate, negotiate structure and/or monitor extensions of credit
• Pro-active disposition with ability to work independently and within a team
• Proficient in various spreadsheet and word processing applications (Excel and Word), PowerPoint, and financial analysis software

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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