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

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## Job Family Group:

Risk Management

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## Job Family:

Credit Risk

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## Time Type:

Full time

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## Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

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## Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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