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. **Responsibilities** + 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. + 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. + Conduct both historical and forward-looking financial analysis, including detailed cash flow modelling, to evaluate repayment capacity and inform credit outcomes. + 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. + Ensure all credit decisions and portfolio activities comply with Citi's risk management policies, procedures, and applicable regulatory requirements. + 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. + Mentor junior risk analysts and business partners, building credit analysis capability and reinforcing sound risk practices across the team. + Contribute to portfolio reviews, stress testing, and strategic risk initiatives, delivering insights on portfolio trends,



concentrations, and emerging risks to senior leadership. **Required Qualifications & Skills** + 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. + Demonstrated experience as a credit officer holding delegated credit authority, with a track record of independent credit decisioning on complex transactions. + Extensive experience managing credit for mid-market or large corporate clients, including in-depth financial statement analysis and cash flow modelling. + Expert knowledge of credit principles, loan structuring, lending practices, and risk management frameworks. + Strong analytical and quantitative capability, with the ability to interpret complex financial information and make clear, well-supported credit judgements. + Effective communication and influencing skills, with the ability to present and defend credit positions clearly to both specialist and non-specialist stakeholders. + 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. **Beneficial Skills & Qualifications** + A bachelor's degree in Finance, Accounting, Economics, or a related field provides a solid foundation for this role. + An MBA, CFA, or other advanced qualification is highly regarded and reflects the analytical depth expected at this level. **What We Offer** 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.



+ A high-visibility senior role with direct influence over the quality and performance of the commercial banking credit portfolio. + Exposure to a broad range of industries and complex financing structures, deepening expertise across the commercial lending landscape. + Regular engagement with senior leaders across Citi's global franchise, creating meaningful career progression pathways. + Access to Citi's global learning and development resources, supporting continued professional growth at a senior level. Apply now to take on a senior credit risk leadership role where your decisions shape the financial health of Citi's Commercial Bank portfolio in Australia. ------------------------------------------------------ **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._ Citi is an equal prospect and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

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