Credit Officer

The Underwriter within Citi’s Institutional Credit Management (“ICM”) Credit Underwriting ABS team works with the ABS business team and ICM Credit Analysts to provide oversight of the underwriting of a multi-billion-dollar portfolio of asset securitization transactions financed primarily through the asset-backed commercial paper market. The Underwriter reviews the credit underwriting and provides a first line of defense credit sign-off of the transactions which are secured by various asset types (including auto, credit card, unsecured consumer loans). The Underwriter ensures consistent application of policies, standards and procedures to support the safety and soundness of wholesale lending in the ABS business.

Responsibilities:

• Work proactively with the Origination team on pre-screening of new deal opportunities and review the initial collateral analysis, preliminary financial analysis, and “greenlight” memoranda. Provide guidance as to risk profile of the proposed transaction and adherence to guidelines.
• Review indicative terms and conditions. Analyze due diligence results and sign off on proposed risk ratings.
• Review and provide a first line of defense sign off on credit approval memos prepared by the ICM Credit Analysts prior to submission for approval by Risk (second line of defense) constituents.
• Review and approve deal post-closing amendment, consent, and waiver requests,
• Provide pertinent industry and asset class knowledge and credit expertise in the review and sign off of complex transactions
• Work closely with the ICM Credit Analysts to help develop their credit assessment skills and enhance the advancement of their career paths.

Qualification and Experience :

• 4+ years of credit experience (preferably in structured finance/securitization) within a financial institution, rating agency, financial guarantor, or asset management firm.
• Excellent credit analysis and underwriting and credit monitoring skills. Proficiency in Excel & Power Point.
• Oral and written communications skills enabling one to effectively interact with internal and external constituents of all levels. Strong attention to detail. Ability to multi-task and manage projects and to meet tight deadlines.
• Ability to function well within a team environment which is formed to serve as a first line of defense in-business credit function and deliver best-in-class credit risk analysis and underwriting and management of the approval process.

Education:

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

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

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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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## Primary Location:

New York New York United States

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## Primary Location Full Time Salary Range:

$129,840.00 - $194,760.00

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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## 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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## Anticipated Posting Close Date:

Oct 05, 2026

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## Automated Processing and AI

We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.

Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

Illinois residents – AI Notice and Right

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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.