Job Description

Equal Opportunity

We recognize talent comes from a wealth of experience

and ideas beyond just the technical specifications of a role. If you feel like

you can make a meaningful impact even if you don’t necessarily check all the

listed requirements, please still consider

applying. Diversity of experience and skills

supplemented with drive are cornerstones to innovation and excellence and we encourage people from all backgrounds to apply to our positions.

Please let us know if you require any accommodations

during the interview process and review Accessibility at Citi.

The Credit Group Manager is accountable for management of complex/critical/large professional disciplinary

areas. Leads and directs a team of professionals. Requires a comprehensive

understanding of multiple areas within a function and how they interact in

order to achieve the objectives of the function. Applies in-depth understanding

of the business impact of technical contributions. Strong commercial awareness

is a necessity. Generally accountable for delivery of a full range of services

to one or more businesses/ geographic regions. Excellent communication skills

required in order to negotiate internally, often at a senior level. Some

external communication may be necessary. Accountable for the end results of an

area. Exercises control over resources, policy formulation and planning.

Primarily affects a sub-function. Involved in short- to medium-term planning of

actions and resources for own area. Full management responsibility of a team or

multiple teams, including management of people, budget and planning, to include

performance evaluation, compensation, hiring, disciplinary actions and

terminations and budget approval. The Credit Group Manager isenior leader whose

emphasis is on the risk side, but who also has customer skills. This Credit

Group Manager role is unique in the sense that it This role will help develop a

business plan and credit program for the Commercial Banking Business. This

position will assist the Commercial Banking Director in assuring portfolio

quality and process integrity. The overall responsibility is that the

marketplace achieves its financial goals, measured through the balanced banking

scorecard. The Credit Group Manager will have lending authority and will be

tasked with asset growth for companies in a certain market segment with annual

revenues from $30 million -$1 billion+.

Responsibilities:

• 
  
• Has responsibility for portfolios of middle
• market companies in a certain location
• 
  
• 
  
• Manages the credit portfolio and has
• responsibility for ensuring that the credit and underwriting process in
• each market is up to Citi standards, and that all credit monitoring and
• maintenance policies are followed with respect to annual reviews, covenant
• compliance, borrowing base monitoring, and compliance with conditions
• precedent.
• 
  
• Coordinates with regional management and works
• with Credit Administration unit as appropriate for tracking and follows up
• for completion and filing of annual reviews, covenant compliance
• checklists, inspections and other reporting requirements.
• 
  
• Approves credit requests and annual reviews
• within covering limits; approval of short term credit requirements such as
• overdrafts and settlement exposure.
• 
  
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• Facilitates the underwriting and documentation of
• credit products for new and existing clients, including structuring credit
• products and proposals with Bankers that meet internal risk standards
• 
  
• 
  
• Coaches and trains Bankers with respect to the
• credit and underwriting process.
• 
  
• 
  
• Accurately review risk ratings and responsible
• for early problem recognition.
• 
  
• 
  
• Assists in Credit Risk portfolio reporting.
• 
  
• 
  
• Participates in client and prospect calls as a
• senior calling officer where needed.
• 
  
• 
  
• Coordinates and assists in Audit Risk Reviews
• (ARR) and any regulatory audits as required.
• 
  
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• Will have matrix management of Bankers who
• maintain client relationships with dedicated credit exposure; Provides
• assistance to market managers with Bankers’ performance reviews and
• compensation recommendations with respect to their performance on the Risk
• Management aspect of their scorecard.
• 
  
• Owns the Customer Experience for internal and
• external clients touched.
• 
  
• 
  
• In some markets may be responsible for managing
• group of credit analysts.
• 
  
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• Performs other duties and functions as assigned.
• 
  
• 
  
• Appropriately assess risk when business decisions
• are made, demonstrating particular consideration for the firm's reputation
• and safeguarding Citigroup, its clients and assets, by driving compliance
• with applicable laws, rules and regulations, adhering to Policy, applying
• sound ethical judgment regarding personal behavior, conduct and business
• practices, and escalating, managing and reporting control issues with
• transparency, as well as effectively supervise the activity of others and
• create accountability with those who fail to maintain these standards.
• 
  

Qualifications:

• 
  
• 10+ years experience in commercial credit
• decision making authority for credits up to $10 million and greater
• 
  
• 
  
• Expert knowledge of credit products (formal
• credit training required)
• 
  
• 
  
• Demonstrates excellent financial and analytic
• skills and ability to rapidly assimilate complex information
• 
  
• 
  
• Sharp business development focus, demonstrating
• innovative approaches
• 
  

Education:

• 
  
• Bachelor’s/University degree, Master’s degree
• preferred
•