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Commercial Lending Credit Analyst
role at
Citi
Citi’s Commercial Bank (CCB) for the North American (NAM) region is a rapidly growing business, targeting emerging, mid- and larger-sized companies based in the United States or Canada, with annual revenue generally from $20 million to $1 billion plus. To facilitate the CCB’s wholesale lending activities, Commercial Lending Management (CLM) serves as an in- business credit function organized around our strategic industries and global target market approach. CLM plays a critical role of the client delivery model for the CCB, translating thought-leadership, industry and product expertise, and an end-to-end ownership of the credit relationship into best-in-class lending solutions. We are seeking a dynamic and motivated credit professional to join the NAM CLM Digital Tech & Comms team.
Key Responsibilities
Facilitate the end-to-end lending process within the NAM CCB for the assigned relationships and portfolio
Rapidly develop knowledge of assigned portfolio and industry, and create 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
Produce the underlying analysis and workflow supporting 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
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
Facilitate 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
Attend periodic meetings regarding covered portfolio clients and select new to bank opportunities in partnership with CLM Credit Officer and the Relationship Management team
Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients
Mentor and develop more junior staff and other support to become effective resources and future contributors
Recommend and champion 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
Qualifications
1‑3 years of banking, finance or related experience in credit underwriting, portfolio and/ or risk management with a multinational financial services organization
Knowledge of basic accounting and financial concepts and their 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
Demonstrates learning agility: seeks out resources and experience to continually build knowledge/skills; quickly and successfully applies learning to new situations
Proficient in spreadsheet, word processing and presentation applications, including strong data visualization skills
Bachelor’s degree; advanced degree(s) and other certifications considered but not required
Job Details
Job Family Group: Risk Management
Job Family: Credit Risk
Time Type: Full time
Primary Location: San Francisco, California, United States
Salary Range: $86,330.00 - $120,470.00
Anticipated Posting Close Date: Dec 19, 2025
Benefits A comprehensive benefits package that may vary by jurisdiction, job level, and date of hire, including medical, dental & vision coverage; 401(k); life, accident, and disability insurance; wellness programs; and paid time off (planned and unplanned vacation, sick leave, and holidays). For additional information regarding Citi employee benefits, please visit citibenefits.com.
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.
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Commercial Lending Credit Analyst
role at
Citi
Citi’s Commercial Bank (CCB) for the North American (NAM) region is a rapidly growing business, targeting emerging, mid- and larger-sized companies based in the United States or Canada, with annual revenue generally from $20 million to $1 billion plus. To facilitate the CCB’s wholesale lending activities, Commercial Lending Management (CLM) serves as an in- business credit function organized around our strategic industries and global target market approach. CLM plays a critical role of the client delivery model for the CCB, translating thought-leadership, industry and product expertise, and an end-to-end ownership of the credit relationship into best-in-class lending solutions. We are seeking a dynamic and motivated credit professional to join the NAM CLM Digital Tech & Comms team.
Key Responsibilities
Facilitate the end-to-end lending process within the NAM CCB for the assigned relationships and portfolio
Rapidly develop knowledge of assigned portfolio and industry, and create 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
Produce the underlying analysis and workflow supporting 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
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
Facilitate 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
Attend periodic meetings regarding covered portfolio clients and select new to bank opportunities in partnership with CLM Credit Officer and the Relationship Management team
Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients
Mentor and develop more junior staff and other support to become effective resources and future contributors
Recommend and champion 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
Qualifications
1‑3 years of banking, finance or related experience in credit underwriting, portfolio and/ or risk management with a multinational financial services organization
Knowledge of basic accounting and financial concepts and their 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
Demonstrates learning agility: seeks out resources and experience to continually build knowledge/skills; quickly and successfully applies learning to new situations
Proficient in spreadsheet, word processing and presentation applications, including strong data visualization skills
Bachelor’s degree; advanced degree(s) and other certifications considered but not required
Job Details
Job Family Group: Risk Management
Job Family: Credit Risk
Time Type: Full time
Primary Location: San Francisco, California, United States
Salary Range: $86,330.00 - $120,470.00
Anticipated Posting Close Date: Dec 19, 2025
Benefits A comprehensive benefits package that may vary by jurisdiction, job level, and date of hire, including medical, dental & vision coverage; 401(k); life, accident, and disability insurance; wellness programs; and paid time off (planned and unplanned vacation, sick leave, and holidays). For additional information regarding Citi employee benefits, please visit citibenefits.com.
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.
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