Job Description

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Citi is looking for a Senior Credit Risk Officer to join the Independent Risk Management team supporting the Citi Commercial Bank (CCB), with accountability for independent credit assessment and decisioning across a diverse portfolio of Australian commercial clients. The Citi Commercial Bank serves mid-market and commercial clients across Australia, providing a full suite of banking solutions — from lending and treasury to trade and working capital — backed by Citi's global network and expertise. In this senior role, you will hold individual credit authority and play a decisive part in maintaining the quality and integrity of the CCB's lending portfolio while enabling new business growth. This is a high-visibility opportunity to operate at the forefront of credit risk management within one of the world's leading financial institutions.

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Responsibilities

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- Serve as a final credit approver for the Citi Commercial Bank, exercising individual delegated credit authority to credit proposals across new transactions, renewals, and modifications.
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- Assess complex credit proposals by evaluating borrower financial performance, credit structure, industry dynamics, business strategy, and key risk factors to form well-substantiated credit decisions.
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- Conduct both historical and forward-looking financial analysis, including detailed cash flow modelling, to evaluate repayment capacity and inform credit outcomes.
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- Monitor an assigned portfolio of commercial client credits, identify early signs of credit deterioration, and collaborate with business partners to design and execute risk mitigation strategies.
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- Ensure all credit decisions and portfolio activities comply with Citi's risk management policies, procedures, and applicable regulatory requirements.
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- Collaborate effectively with Relationship Managers, Underwriters, and other front-line teams to provide constructive guidance on credit structuring and risk identification,



maintaining a balanced approach to risk and commercial opportunity.
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- Mentor junior risk analysts and business partners, building credit analysis capability and reinforcing sound risk practices across the team.
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- Contribute to portfolio reviews, stress testing, and strategic risk initiatives, delivering insights on portfolio trends, concentrations, and emerging risks to senior leadership.
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Required Qualifications & Skills

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- A minimum of 12 years of experience in corporate banking, credit risk management, or a related financial services discipline, with formal credit training as a foundation.
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- Demonstrated experience as a credit officer holding delegated credit authority, with a track record of independent credit decisioning on complex transactions.
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- Extensive experience managing credit for mid-market or large corporate clients, including in-depth financial statement analysis and cash flow modelling.
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- Expert knowledge of credit principles, loan structuring, lending practices, and risk management frameworks.
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- Strong analytical and quantitative capability, with the ability to interpret complex financial information and make explicit, well-supported credit judgements.
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- Effective communication and influencing skills, with the ability to present and defend credit positions clearly to both specialist and non-specialist stakeholders.
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- In-depth familiarity with loan documentation and credit structuring conventions, combined with the ability to operate with a high degree of independence and integrity in a fast-paced, global environment.
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Beneficial Skills & Qualifications

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- A bachelor's degree in Finance, Accounting, Economics, or a related field provides a strong foundation for this role.
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- An MBA, CFA, or other advanced qualification is highly regarded and reflects the analytical depth expected at this level.
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What We Offer

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At Citi, senior professionals are given the authority, visibility, and resources to make a genuine impact. This role offers the opportunity to shape credit outcomes at scale, influence portfolio strategy, and develop as a leader within a world-class global financial institution.

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- A high-visibility senior role with direct influence over the quality and performance of the commercial banking credit portfolio.
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- Exposure to a broad range of industries and complex financing structures, deepening expertise across the commercial lending landscape.
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- Regular engagement with senior leaders across Citi's global franchise, creating meaningful career progression pathways.
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- Access to Citi's global learning and development resources, supporting continued professional growth at a senior level.
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Job Family Group:n

Risk Management

Job Family:n

Credit Risk

Time Type:n

Full time

Most Relevant Skillsn

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

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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.

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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.

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View Citi’s EEO Policy Statement and the Know Your Rights poster.

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📌 Senior Credit Risk Officer, Commercial Bank -- Senior Vice President (Sydney)
🏢 Citigroup
📍 Sydney