Are you looking for a career move that will put you at the heart of a global financial institution? Then bring your skills in add information to Citi’s Risk Management team. By Joining Citi, you will become part of a global organisation whose mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. **Team/Role Overview** Citi Commercial Bank (CCB) is a global line of business at Citigroup that provides commercial banking services to mid-sized companies. CCB aspires to be the global bank of choice for trade-oriented companies, with revenues between $100MM – $3B with an array of products and services, that include: Lending, Cash Management, Trade, Foreign Exchange, Interest Rate Derivatives and Capital Markets solutions. CCB UK business being one of the major contributors to this global line has grown significantly since inception and will continue to grow this year in the same way. There must be sufficient capacity in the Risk management team to face this growth and be able to maintain the health of the portfolio, where approval is one of the primary roles to support the Business. The Credit Risk Senior Officer I is a strategic professional who closely follows latest trends in own field and adapts them for application within own job and the business. Typically, a small number of people within the business that provide the same level of expertise. Excellent communication skills required in order to negotiate internally, often at a senior level. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Accountable for significant direct business results or authoritative advice regarding the operations of the business. This position reports to the UK CCB Head of Approvals and is based in London. **What you’ll do** + Strategic professional who will undertake quality judgmental lending including exercising delegated approval authority to ensure that good business opportunities are not lost yet safeguarding the business interests of the Bank. Responsible for the financial analysis, risk assessment and credit structure recommendation for cash flow lending products + Complete in-depth analysis of financial data and other information provided by the client and/or banker in the field. Supplement analysis with research and evaluations from a wide variety of sources to develop an assessment of client, competitor/ industry risks and trends for senior management and/or the Senior Credit Officer + Oversee deal approvals including timing of approvals and turnaround in collaboration with underwriters and business partners + Ensure all credit decisions comply with regulatory requirements, including PRA, FCA and OCC guidelines, as well as internal risk governance standards + Provide independent approvals for the individual portfolio as a Senior Credit Officer with the appropriate authority and title + Assist revenue growth and contain credit losses, while managing risk within credit policy + Monitor an assigned credit portfolio and complete periodic reviews; maintain a thorough understanding of the content and aggregate risks within the portfolio, trends and other key statistics + Assist in the development of appropriate procedures around approvals, underwriting, and portfolio functions in consultation with underwriters and senior business leaders + Pro-actively reach out to line partners, creating a shared learning environment between remote location and front office **What we’ll need from you** + Extensive credit experience (more than 12 years) including approvals with proven track record of successfully managing leveraged finance portfolios in the commercial/corporate lending space + Strong understanding of corporate finance, financial modelling, and lending practices + In-depth knowledge of industry sectors relevant to the UK mid-corporate market + Excellent communication and diplomacy skills required in order to negotiate internally, often at a senior level and occasionally with external customers + Thorough credit and analytical skills, knowledge of credit products + Strong decision-making ability, balancing commercial acumen with a robust risk management mindset. Familiarity with UK regulatory requirements for credit risk and lending + Effective verbal and written communication skills + Bold in approach to approve sound credit with highly collaborative work style + Ability to train, recruit, and mentor teams of professionals + Must be SCO or equivalent **What we can offer you** We work hard to have a positive financial and social impact on the communities we serve. In turn, we put our employees first and provide the best-in-class benefits they need to be well, live well and save well. By joining Citi London, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive base salary (which is annually reviewed), and enjoy a whole host of additional benefits such as: + Generous holiday allowance starting at 27 days plus bank holidays; increasing with tenure + A discretional annual performance related bonus + Private medical insurance packages to suit your personal circumstances + Employee Assistance Programme + Pension Plan + Paid Parental Leave + Special discounts for employees, family, and friends + Access to an array of learning and development resources Alongside these benefits Citi is committed to ensuring our workplace is where everyone feels comfortable coming to work as their whole self every day. We want the best talent around the world to be energised to join us, motivated to stay, and empowered to thrive. **Sounds like Citi has everything you need? Then apply to discover the true extent of your capabilities.** \#LI-PM3 ------------------------------------------------------ **Job Family Group:** Risk Management ------------------------------------------------------ **Job Family:** Credit Decisions ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ Citi is an equal opportunity and affirmative action employer. Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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 the "EEO is the Law (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/eeopost.pdf) " poster. View the EEO is the Law Supplement (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/OFCCP\_EEO\_Supplement\_Final\_JRF\_QA\_508c.pdf) . View the EEO Policy Statement (http://citi.com/citi/diversity/assets/pdf/eeo\_aa\_policy.pdf) . View the Pay Transparency Posting (https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp\_%20English\_formattedESQA508c.pdf) Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.