Job Description

As a Commercial Relationship Manager at Citi, you will own and grow a portfolio of commercial clients — building lasting relationships, structuring tailored financial solutions, and acting as the primary point of contact for a diverse client base. This is a client-facing advisory role at the heart of Citi's commercial banking business, where your ability to anticipate client needs, manage credit risk, and drive new business opportunities will have a direct impact on the team's performance and Citi's commercial growth agenda. You will work alongside senior relationship managers, product specialists, and internal teams to deliver a seamless and commercially sound client experience.

Responsibilities

• Manage and grow a portfolio of commercial clients, serving as their primary relationship contact and proactively identifying their evolving financial needs.
• Develop and introduce tailored banking and financial solutions by partnering with product specialists and subject matter experts to meet each client's specific requirements.
• Identify and pursue cross-sell opportunities across the portfolio to deepen client relationships and grow share of wallet.
• Oversee the preparation and submission of new credit transactions and annual reviews to credit and risk teams, maintaining thorough documentation throughout the credit origination process.
• Act as the first line of defence for credit risk management, protecting Citi's assets and reputation by assessing risk in all business decisions and escalating issues with full transparency.
• Lead client onboarding and retention activities in collaboration with Case Managers, ensuring all Know Your Client (KYC) and regulatory compliance requirements are met.
• Support Senior Relationship Managers in deal structuring, prospective client research, and building a pipeline of new business opportunities.
• Ensure full adherence to regulatory requirements and Citi's policies at all times, applying sound judgement and ethical standards in every client interaction and business decision.

Required Qualifications & Skills

• 5 to 8 years of experience in commercial banking, relationship management, or a closely related financial services role.
• Solid knowledge of banking and investment products, with a demonstrated ability to deliver sound financial advice and solutions to commercial clients.
• Credit analysis skills with hands-on experience managing the credit origination process, from deal closure through to documentation and account monitoring.
• Advanced grasp of accounting principles, financial modelling, and financial statement analysis.
• Strong business development mindset with a track record of identifying new opportunities and applying innovative approaches to meet client needs.
• Excellent interpersonal and communication skills, with the ability to influence stakeholders and collaborate effectively across teams.
• Proven ability to manage competing priorities, adapt rapidly to new information, and maintain focus in a fast-paced commercial environment.
• Bachelor's degree or equivalent professional experience.

Beneficial Skills & Qualifications

• Early Warning Detection skills with the ability to identify credit risk signals within a client portfolio before they escalate.
• Experience coaching or mentoring junior team members within a commercial or banking environment.
• Confidence in embracing digital tools and technology platforms to enhance the client experience and improve day-to-day efficiency.
• Familiarity with KYC processes and regulatory compliance frameworks within a commercial banking context.

What We Offer

Joining Citi means stepping into one of the world's most connected financial institutions, where your work with commercial clients translates into meaningful impact at both a local and global scale. We offer a collaborative, performance-driven environment where you can build your career with the support of experienced colleagues, structured development opportunities, and a working model designed to support both professional ambition and personal wellbeing.

• A hybrid working arrangement with 3 days in the office and 2 days working remotely, giving you flexibility without losing connection to your team.
• Access to Citi's global network and the opportunity to collaborate with colleagues and clients across markets and geographies.
• Structured learning and development programmes to help you advance your skills in commercial banking, credit, and client relationship management.
• A clear career path with opportunities to progress into senior relationship management and broader leadership roles.
• Wellbeing and financial benefits designed to support your health, work-life balance, and long-term financial security.
• The chance to represent one of the world's most recognised financial brands and make a tangible difference to the clients you serve.

Apply today and take the next step in your commercial banking career with a global institution that values performance, client impact, and professional growth.

------------------------------------------------------

Job Family Group:

Commercial and Business Sales

------------------------------------------------------

Job Family:

Relationship Management

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

Most Relevant Skills

Please see the requirements listed above.

------------------------------------------------------

Other Relevant Skills

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

------------------------------------------------------

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.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi

View Citi’s EEO Policy Statement and the Know Your Rights poster.