Citi · 1 day ago
Asset-Based Lending Credit Officer - Senior Vice President
Jacksonville Florida United States
Full-time
Hybrid
Senior Level, Lead/Staff
$131K/yr - $196K/yr
10+ years expCiti is a rapidly growing commercial bank targeting mid- to larger-sized companies, and they are seeking a Senior Vice President to facilitate the end-to-end lending process for their assigned portfolio. The CLM Credit Officer will manage credit risk and collaborate with Relationship Managers to provide a range of financial solutions while ensuring compliance with credit policies and regulations.
BankingFinanceFinancial Services
Responsibilities
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
Qualification
Required
10+ years of experience in credit underwriting, portfolio and/ or risk management with a large multinational financial services or Asset Based Lending organization
Bachelor's degree in finance or accounting (preferred) - previous experience working in a financial institution with additional experience in a loan officer or underwriting role. (credit trained a plus)
Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
Excellent communication (written, verbal, presentation and listening) and organizational skills; ability to complete multiple priorities in a timely manner
Strong credit sense and ability to articulate a view, work across a range of credit products, with experience in early problem recognition and resolution skills
Demonstrates learning agility: Seeks out resources and experience to continually build knowledge/skills; quickly and successfully applies learning to new situations
Reaches decisions in a timely and transparent manner, knows when enough information has been collected to make sound decisions, takes calculated risks with the confidence to defend their credit view
Proficient in various spreadsheet and word processing applications
Preferred
Bachelor's/University degree, Master's degree preferred
Benefits
Medical, dental & vision coverage
401(k)
Life, accident, and disability insurance
Wellness programs
Paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays
Company
Citi
Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress.
10001+ employees
H1B Sponsorship
Citi has a track record of offering H1B sponsorships. Please note that this does not
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2025 (1386)
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2020 (901)
Funding
Current Stage
Late StageLeadership Team
James Monahan
Managing Director / Global Head of Asset Servicing
Naveed Sultan
Managing Director, Chairman, Institutional Clients Group
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