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<ul><li>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.</li><li>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.</li><li>Conduct both historical and forward-looking financial analysis, including detailed cash flow modelling, to evaluate repayment capacity and inform credit outcomes.</li><li>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.</li><li>Ensure all credit decisions and portfolio activities comply with Citi's risk management policies, procedures, and applicable regulatory requirements.</li><li>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.</li><li>Mentor junior risk analysts and business partners, building credit analysis capability and reinforcing sound risk practices across the team.</li><li>Contribute to portfolio reviews, stress testing, and strategic risk initiatives, delivering insights on portfolio trends, concentrations, and emerging risks to senior leadership.</li></ul>Required Qualifications & Skills<ul><li>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.</li><li>Demonstrated experience as a credit officer holding delegated credit authority, with a track record of independent credit decisioning on complex transactions.</li><li>Extensive experience managing credit for mid-market or large corporate clients, including in-depth financial statement analysis and cash flow modelling.</li><li>Expert knowledge of credit principles, loan structuring, lending practices, and risk management frameworks.</li><li>Strong analytical and quantitative capability, with the ability to interpret complex financial information and make clear, well-supported credit judgements.</li><li>Effective communication and influencing skills, with the ability to present and defend credit positions clearly to both specialist and non-specialist stakeholders.</li><li>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.</li></ul>Beneficial Skills & Qualifications<ul><li>A bachelor's degree in Finance, Accounting, Economics, or a related field provides a strong foundation for this role.</li><li>An MBA, CFA, or other advanced qualification is highly regarded and reflects the analytical depth expected at this level.</li></ul>What We OfferAt 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.<ul><li>A high-visibility senior role with direct influence over the quality and performance of the commercial banking credit portfolio.</li><li>Exposure to a broad range of industries and complex financing structures, deepening expertise across the commercial lending landscape.</li><li>Regular engagement with senior leaders across Citi's global franchise, creating meaningful career progression pathways.</li><li>Access to Citi's global learning and development resources, supporting continued professional growth at a senior level.</li></ul>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.------------------------------------------------------<h2>Job Family Group: </h2>Risk Management------------------------------------------------------<h2>Job Family:</h2>Credit Risk------------------------------------------------------<h2>Time Type:</h2>Full time------------------------------------------------------<h2>Most Relevant Skills </h2>Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.------------------------------------------------------<h2>Other Relevant Skills </h2>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 <a href="https://www.citigroup.com/citi/accessibility/application-accessibility.htm" target="_blank">Accessibility at Citi</a>. View Citi’s <a href="https://www.citigroup.com/global/eeo-aa-policy" target="_blank">EEO Policy Statement</a> and the <a href="https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf" target="_blank">Know Your Rights</a> poster.

Senior Credit Risk Officer, Commercial Bank — Senior Vice President

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