Citi Australia | Senior Credit Risk Officer, Commercial Bank — Senior Vice President

Responsibilities

• 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.
• 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.
• 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.
• 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.
• 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.
• 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.

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.
• A bachelor's degree in Finance, Accounting, Economics, or a related field provides a strong foundation for this role.
• Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.
• Exposure to a broad range of industries and complex financing structures, deepening expertise across the commercial lending landscape.

Citi Australia

Citi Australia is an employer hiring in India (sector: BFSI / Investments / Insurance).

Its finance, accounts, audit and tax openings in India are mostly in Sydney.

• Industry: BFSI / Investments / Insurance