Credit Officer Financial Institutions — Assistant Vice President

Citi is looking for a Credit Officer at the Assistant Vice President level to join its Institutional Credit Management (ICM) team, a first line of defense function responsible for end-to-end credit underwriting and monitoring across Citi's wholesale institutional client base. In this individual contributor role, you will own the full credit assessment lifecycle for a portfolio of Financial Institutions clients — including banks, broker-dealers, and insurance companies — with a focus on supporting relationships across Japan and Hong Kong. Your credit judgements will directly inform approval decisions at one of the world's leading global banks, making this a high-impact opportunity for a credit professional ready to operate with real ownership and precision. Responsibilities ---------------- * Own a dedicated portfolio of Financial Institutions clients — including banks, broker-dealers, and insurance companies — conducting ongoing credit risk assessment and continuous portfolio monitoring to maintain accurate and current credit positions. * Lead the preparation of Credit Approval Memo packages, ensuring all documentation is complete, accurate, and reflects a thorough evaluation of the client's credit profile ahead of approval. * Conduct in-depth financial analysis, due diligence, projection modelling, stress testing, and risk rating assessments to evaluate client creditworthiness and support lending decisions. * Execute the end-to-end underwriting process, from early origination discussions through to final credit memo development, in alignment with global and regional credit standards. * Produce annual and quarterly portfolio reviews, as well as ad-hoc transaction analyses and industry-level stress testing, to support proactive risk identification and monitoring. * Assess financing and product structures, evaluating risk asset allocation and risk capital considerations in coordination with Banking and Risk stakeholders. * Build and maintain effective working relationships with stakeholders across Banking, Risk, regulatory bodies, Internal Audit, and control functions to support sound credit decision-making. * Contribute to strategic initiatives and projects within the ICM Underwriting organisation, applying credit expertise to support broader business objectives. Required Qualifications & Skills -------------------------------- * Five to eight years of relevant experience in credit risk, credit underwriting, or a related financial services discipline, with direct exposure to Financial Institutions such as banks, broker-dealers, or insurers. * Demonstrated ability to assess the creditworthiness of institutional clients through rigorous financial analysis, including projection modelling, stress testing, and risk rating methodology. * Solid grounding in global credit risk management standards and the ability to evaluate complex financing structures and product arrangements. * Clear and confident communicator — both written and verbal — with the ability to present well-reasoned credit assessments to audiences of varying seniority and background. * Effective at building working relationships across multiple functions and geographies, navigating organisational complexity to deliver balanced and timely credit outcomes. * Demonstrated ability to assess risk-return trade-offs across transactions and client relationships, providing balanced, evidence-based recommendations to stakeholders. * Bachelor's degree or equivalent professional experience in finance, economics, accounting, or a related field. Beneficial Skills & Qualifications ---------------------------------- * Familiarity with local market dynamics, regulatory frameworks, and the competitive landscape across the Japan and Hong Kong financial sectors. * Experience engaging with regulators, internal audit functions, or external oversight bodies in a credit or risk capacity. * Exposure to portfolio-level and industry-level credit review processes, including sector stress testing and thematic risk analysis. What We Offer ------------- At Citi, you will work within a high-performing global team that operates at the centre of institutional credit decision-making. This role offers genuine ownership over a meaningful client portfolio, direct exposure to senior stakeholders, and the opportunity to deepen your expertise across one of the most dynamic regions in global financial services. * A hybrid working model structured around 3 days in the office and 2 days working remotely, providing flexibility while maintaining strong team collaboration. * Regional scope and impact, with direct responsibility for client portfolios across Japan and Hong Kong, offering meaningful cross-border exposure at the institutional level. * Access to structured learning and development programmes to support continued professional growth in credit risk and financial services. * A collaborative, performance-driven environment where your credit work directly shapes outcomes for major institutional clients. * Competitive compensation and access to Citi's broader financial wellbeing and employee support programmes. * The scale and breadth of a leading global bank, with the career progression opportunities that come with it. Apply now to bring your credit expertise to a global team where your judgement shapes real decisions for some of the world's most significant financial institutions. #LI-WP1 \------------------------------------------------------ **Job Family Group:** --------------------- Risk Management \------------------------------------------------------ **Job Family:** --------------- Credit Risk \------------------------------------------------------ **Time Type:** -------------- Full time \------------------------------------------------------ **Most Relevant Skills** ------------------------ Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle. \------------------------------------------------------ **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](https://www.citigroup.com/citi/accessibility/application-accessibility.htm)._ _View Citi’s [EEO Policy Statement](https://www.citigroup.com/global/eeo-aa-policy) and the [Know Your Rights](https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf) poster._