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 external stakeholders to keep transactions moving forward and in accordance with appropriate controls. Qualifications:6-10 years previous credit authority experience. Prior experience working 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; including complicated business structures with 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 inter-personal and written/verbal communication skills. Thorough problem recognition and resolution skills. Pro-active disposition with ability to work autonomously and within a team Proficient in various spreadsheet and word processing applications (Excel and Word), including the use of graphs and charts and financial analysis software. Typically deals with complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting needs. Requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources. Exercises wide degree of latitude and discretion. Significant impact on the area through complex deliverables. Provides advice and counsel related to the technology or operations of the business. Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family. Education:Bachelor’s/ University degree, Master’s degree preferred. This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.---------------------------------------- --------------Job Family Group: Risk Management----------------------------- -------------------------Job Family:Credit Risk---------------------------------- --------------------Time Type:Full time--------------------------------- ---------------------Primary Location:Irving Texas 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 22, 2026---------------------------- --------------------------