Citi Credit Officer 2 - Delinquency Managed Portfolio in Irving, Texas

  • Primary Location: United States,Texas,Irving

  • Education: Bachelor's Degree

  • Job Function: Credit

  • Schedule: Full-time

  • Shift: Day Job

  • Employee Status: Regular

  • Travel Time: No

  • Job ID: 16065117


Credit Officer 2 -

The Delinquency Managed (DM) Credit Officer function is designed to provide a thorough, objective analysis of the financial condition and credit worthiness of borrowers and individuals, as well as analysis of prevailing industry and market conditions on submitted commercial loan requests. Analysis is performed through the examination and interpretation of historical and projected financial statements and related information, biographical data on a company and / or individual, market information and credit reports, with a focus on determining a borrower's repayment ability. All credit reviews and decisioning to be in compliance with internal credit risk policy guidelines. Credit Officer’s interface with and are expected to maintain strong working relationships with Small Business Banking Managers, Commercial Banking Relationship Managers, Credit / Risk Managers and customers to facilitate the lending process. The lending environment is volatile and it is expected that ongoing education will be necessary to ensure knowledge of the various products and services offered in the Commercial / Small Business Banking business. The ability to work independently and handle assigned transactions within the established turnaround standards is required. Loan requests / decisions – up to $1,000,000.


  • Credit Officer responsibilities

  • Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures / credit risk policy guidelines and standards.

  • Prepare a detailed written credit summary of commercial applicants requesting credit by analyzing the business, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision.

  • Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information.

  • Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers in order to determine repayment capacity based on cash flow statements, tax returns, and statements.

  • Perform industry and geographical research and other due diligence as needed.

  • Maintain a solid understanding of Citibank products and services - within Small Business / Commercial Banking and the broader organization.

  • Maintain compliance with Citibank credit policies / practices and regulatory policies, to ensure business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors.

  • Support business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels. Work with management team on prioritization and implementation of approved actions.

  • Provide backup support to Credit Underwriting Group Manager, lead projects and initiatives and mentor lower level Credit Officers as needed.

  • Other duties as required to support business unit and company goals.

About Citi

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients.

Citi’s Mission and Value Proposition at explains what we do and Citi Leadership Standards at explain how we do it. Our mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. We strive to earn and maintain our clients’ and the public’s trust by constantly adhering to the highest ethical standards and making a positive impact on the communities we serve. Our Leadership Standards is a common set of skills and expected behaviors that illustrate how our employees should work every day to be successful and strengthens our ability to execute against our strategic priorities.

Diversity is a key business imperative and a source of strength at Citi. We serve clients from every walk of life, every background and every origin. Our goal is to have our workforce reflect this same diversity at all levels. Citi has made it a priority to foster a culture where the best people want to work, where individuals are promoted based on merit, where we value and demand respect for others and where opportunities to develop to are widely available to all.


Expertise in underwriting business operating lines and term loans.

  • Previous credit authority experience.

  • Prior experience working in a regulatory and compliance policy environment.

  • Small Business Administration (SBA) experience preferred (7a / Express / 504 programs).

  • Strong analytical skills including the ability to analyze and evaluate individual and company financial statements, tax returns, cash flow, business plans and strategy, and financial spreads.

  • Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process.

  • Excellent organizational skills, strong multi-tasking capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment.

  • Strong inter-personal and written / verbal communication skills.

  • Strong problem recognition and resolution skills.

  • Pro-active disposition with ability to work independently 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.

  • Bachelor's degree in finance / accounting (preferred) or equivalent experience.

  • 2 - 5 years in a commercial / business credit underwritingenvironment reviewing credit transactions up to $1,000,000 or equivalent experience.