Job Description

We are seeking an Assistant Vice President, Credit Officer to join our Asset‑Based Finance (ABF) team in Chicago or Irving, TX, one of the bank’s key commercial and lending hubs. This role supports the underwriting and ongoing management of a portfolio of asset‑based and structured commercial lending relationships and provides meaningful exposure to complex credit analysis, portfolio management, and transaction execution.
The position is well‑suited for a credit professional who has moved beyond pure execution and is ready to take on greater ownership, judgment, and leadership, while continuing to develop toward VP‑level credit authority.

The AVP Credit Officer supports the underwriting and monitoring of a material credit portfolio, partnering closely with senior underwriters, relationship managers, and risk stakeholders. The role contributes directly to credit approval decisions, portfolio oversight, and proactive risk management within a dynamic asset‑based lending environment.

Key Responsibilities

Credit Underwriting & Analysis

• Produce and review high‑quality credit analysis supporting new originations, amendments, extensions, and renewals
• Assist in assessing transaction structures, collateral quality, cash‑flow performance, and key risk drivers
• Help develop credit recommendations that balance risk, structure, and business objectives

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Portfolio Monitoring & Risk Management

• Support ongoing monitoring of assigned portfolio through monthly, quarterly, and annual reviews
• Track covenant compliance, collateral performance, and early warning indicators
• Identify emerging risk issues and escalate concerns appropriately

Stakeholder Collaboration

• Participate in client and internal meetings alongside senior underwriters and Relationship Managers
• Partner with credit, risk, and product teams to support efficient transaction execution
• Contribute to sector and portfolio‑level insights for internal stakeholders

Execution & Process Improvement

• Support credit workflows and documentation processes to ensure alignment with approved terms
• Recommend and champion process improvements to enhance efficiency, consistency, and controls
• Mentor junior analysts or support staff and contribute to team development

Qualifications & Experience

• 3-5 years of related experience in credit underwriting, portfolio and/ or risk management with a multinational financial services organization

• Bachelor’s degree in Finance, Accounting, Business, or a related field

• Solid understanding of financial statements, cash‑flow analysis, and credit fundamentals

• Strong written and verbal communication skills

• Ability to manage multiple priorities in a fast‑paced environment

• Experience with Asset‑Based Lending or collateral‑focused structures

• Exposure to middle‑market commercial clients

• Advanced degree or professional certification a plus, but not required

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Job Family Group:

Risk Management

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Job Family:

Credit Risk

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Time Type:

Full time

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Primary Location:

Chicago Illinois United States

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Primary Location Full Time Salary Range:

$96,400.00 - $144,600.00

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.

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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.

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Other Relevant Skills

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

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Anticipated Posting Close Date:

May 13, 2026

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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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