• Has responsibility for portfolios of middle market companies in a certain location
• Manages the credit portfolio and has responsibility for ensuring that the credit and underwriting process in each market is up to Citi standards, and that all credit monitoring and maintenance policies are followed with respect to annual reviews, covenant compliance, borrowing base monitoring, and compliance with conditions precedent.
• Coordinates with regional management and works with Credit Administration unit as appropriate for tracking and follows up for completion and filing of annual reviews, covenant compliance checklists, inspections and other reporting requirements.
• Approves credit requests and annual reviews within covering limits; approval of short term credit requirements such as overdrafts and settlement exposure.
• Facilitates the underwriting and documentation of credit products for new and existing clients, including structuring credit products and proposals with Bankers that meet internal risk standards
• Coaches and trains Bankers with respect to the credit and underwriting process.
• Accurately review risk ratings and responsible for early problem recognition.
• Assists in Credit Risk portfolio reporting.
• Participates in client and prospect calls as a senior calling officer where needed.
• Coordinates and assists in Audit Risk Reviews (ARR) and any regulatory audits as required.
• Will have matrix management of Bankers who maintain client relationships with dedicated credit exposure; Provides assistance to market managers with Bankers’ performance reviews and compensation recommendations with respect to their performance on the Risk Management aspect of their scorecard.
• Owns the Customer Experience for internal and external clients touched.
• In some markets may be responsible for managing group of credit analysts.
• Performs other duties and functions as assigned.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.

• 10+ years experience in commercial credit decision making authority for credits up to $10 million and greater
• Expert knowledge of credit products (formal credit training required)
• Demonstrates excellent financial and analytic skills and ability to rapidly assimilate complex information
• Sharp business development focus, demonstrating innovative approaches

• Bachelor’s/University degree, Master’s degree preferred

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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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Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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 the " EEO is the Law " poster. View the EEO is the Law Supplement .

View the EEO Policy Statement .

View the Pay Transparency Posting