Commercial Banking Officer Jobs
Commercial banking officer jobs are open across regional banks, credit unions, community banks, and large financial institutions, from entry-level associate to senior officer and portfolio manager, with specializations in business lending, credit analysis, and relationship management. Scan the live roles below and apply to whichever ones fit.
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Showing 5 of 28+ Commercial Banking Officer jobs
Discover your future at Citi
Working at Citi is far more than just a job. A career with us means joining a team of approximately 219,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.
Job Overview
As a Commercial Banking Credit Risk Assistant Vice President at Citi, you will underwrite and manage credit risk for a portfolio of commercial lending relationships within Citi's Commercial Bank, serving companies across the United States and Canada with annual revenue between $100 million and $3 billion. Working in direct partnership with Relationship Managers and Independent Risk, you will shape lending solutions covering working capital, term loans, treasury services, trade finance and interest rate derivatives for clients in the Consumer & Retail industry vertical. This role offers the opportunity to build deep credit expertise, influence portfolio strategy and contribute to strategic initiatives across Commercial Lending Management in North America.
Responsibilities
- Underwrite credit risk across a portfolio of commercial lending relationships, evaluating working capital solutions, term loans, treasury services, foreign exchange, trade finance and interest rate derivatives.
- Conduct due diligence and financial analysis to assess borrower creditworthiness, market conditions and the appropriate credit structure for each transaction.
- Monitor credit quality across the covered portfolio through quarterly and annual reviews, covenant tracking and ongoing reporting.
- Maintain accurate risk ratings and classifications for the portfolio, identifying early warning signs and addressing them proactively.
- Apply Citi's credit policies and procedures consistently to support sound lending decisions and regulatory compliance.
- Partner with Relationship Managers and Independent Risk to structure and document lending solutions that meet client and business objectives.
- Represent the covered portfolio in credit approval forums and respond to inquiries from internal and regulatory stakeholders.
- Deliver technical credit skills training across Commercial Banking teams and mentor junior colleagues.
Required Qualifications & Skills
- 4 to 6 years of experience in credit underwriting, portfolio management or risk management within a multinational financial services organization.
- Knowledge of core accounting and financial concepts, applied effectively within the credit underwriting process.
- Strong written, verbal and presentation communication skills to convey credit analysis clearly to stakeholders.
- Organizational skills to manage multiple priorities and meet deadlines in a fast-paced environment.
- Learning agility to quickly build new knowledge and apply it to evolving credit situations.
- Proficiency in spreadsheet, word processing and presentation applications, including strong data visualization skills.
What We Offer
Join a team where your credit expertise directly shapes lending decisions for growing businesses across North America.
- A hybrid working model, with 3 days in the office and 2 days working remotely.
- Exposure to a broad range of lending products and industries that deepens your credit expertise.
- Opportunities to contribute to strategic projects that shape Commercial Banking's credit approach across North America.
- Access to learning and development resources that support your ongoing career growth.
- Resources that support your financial wellbeing and work-life balance.
Apply today to help shape the future of credit risk management within Citi's Commercial Bank.
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Job Family Group:
Risk Management-
Job Family:
Credit Risk-
Time Type:
Full time-
Primary Location:
New York New York United States-
Primary Location Full Time Salary Range:
$109,120.00 - $163,680.00
In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
-
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.-
Anticipated Posting Close Date:
Nov 16, 2026-
Automated Processing and AI
We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.
Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.
Illinois residents – AI Notice and Right (opens in new window)
-
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.
Discover your future at Citi
Working at Citi is far more than just a job. A career with us means joining a team of approximately 219,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.
Job Overview
As a Commercial Banking Credit Risk Assistant Vice President at Citi, you will underwrite and manage credit risk for a portfolio of commercial lending relationships within Citi's Commercial Bank, serving companies across the United States and Canada with annual revenue between $100 million and $3 billion. Working in direct partnership with Relationship Managers and Independent Risk, you will shape lending solutions covering working capital, term loans, treasury services, trade finance and interest rate derivatives for clients in the Consumer & Retail industry vertical. This role offers the opportunity to build deep credit expertise, influence portfolio strategy and contribute to strategic initiatives across Commercial Lending Management in North America.
Responsibilities
- Underwrite credit risk across a portfolio of commercial lending relationships, evaluating working capital solutions, term loans, treasury services, foreign exchange, trade finance and interest rate derivatives.
- Conduct due diligence and financial analysis to assess borrower creditworthiness, market conditions and the appropriate credit structure for each transaction.
- Monitor credit quality across the covered portfolio through quarterly and annual reviews, covenant tracking and ongoing reporting.
- Maintain accurate risk ratings and classifications for the portfolio, identifying early warning signs and addressing them proactively.
- Apply Citi's credit policies and procedures consistently to support sound lending decisions and regulatory compliance.
- Partner with Relationship Managers and Independent Risk to structure and document lending solutions that meet client and business objectives.
- Represent the covered portfolio in credit approval forums and respond to inquiries from internal and regulatory stakeholders.
- Deliver technical credit skills training across Commercial Banking teams and mentor junior colleagues.
Required Qualifications & Skills
- 4 to 6 years of experience in credit underwriting, portfolio management or risk management within a multinational financial services organization.
- Knowledge of core accounting and financial concepts, applied effectively within the credit underwriting process.
- Strong written, verbal and presentation communication skills to convey credit analysis clearly to stakeholders.
- Organizational skills to manage multiple priorities and meet deadlines in a fast-paced environment.
- Learning agility to quickly build new knowledge and apply it to evolving credit situations.
- Proficiency in spreadsheet, word processing and presentation applications, including strong data visualization skills.
What We Offer
Join a team where your credit expertise directly shapes lending decisions for growing businesses across North America.
- A hybrid working model, with 3 days in the office and 2 days working remotely.
- Exposure to a broad range of lending products and industries that deepens your credit expertise.
- Opportunities to contribute to strategic projects that shape Commercial Banking's credit approach across North America.
- Access to learning and development resources that support your ongoing career growth.
- Resources that support your financial wellbeing and work-life balance.
Apply today to help shape the future of credit risk management within Citi's Commercial Bank.
-
Job Family Group:
Risk Management-
Job Family:
Credit Risk-
Time Type:
Full time-
Primary Location:
New York New York United States-
Primary Location Full Time Salary Range:
$109,120.00 - $163,680.00
In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
-
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.-
Anticipated Posting Close Date:
Nov 16, 2026-
Automated Processing and AI
We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.
Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.
Illinois residents – AI Notice and Right (opens in new window)
-
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.
Commercial Banking Officer Jobs by Experience Level
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Find JobsCommercial Banking Officer Job Market
Who's Hiring
What Employers Look For
The qualifications that appear most often in commercial banking officer jobs.
- Bachelor's degree in finance, accounting, business, or a related field
- Demonstrated experience analyzing commercial credit and structuring business loans
- Proficiency in financial statement analysis and cash flow underwriting
- Strong knowledge of commercial lending regulations and compliance requirements
- Experience managing and growing a portfolio of business banking relationships
- Familiarity with commercial loan origination software and core banking systems
Tips for Your Commercial Banking Officer Job Search
Quantify your loan portfolio performance
Hiring managers want numbers, not duties. List the dollar volume of loans you originated or managed, your credit approval rate, and any deposit growth you drove. Specific figures make your resume stand out from candidates who only list responsibilities.
Highlight relevant banking certifications early
Certifications like the Certified Commercial Lender designation or completion of a formal credit training program signal technical readiness. Place these near the top of your resume so reviewers spot them before they reach your work history.
Target openings by asset size and charter type
A community bank with under a billion in assets runs a very different credit culture than a super-regional. Filter your search by institution type so the role, autonomy level, and deal complexity match where you do your best work.
Apply early to roles that fit
Migrate Mate lists commercial banking officer openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Prepare a credit story for your interview
Interviewers frequently ask you to walk through a deal you structured or a credit decision you made under uncertainty. Prepare two or three concrete examples that show your underwriting logic, how you handled risk, and what the outcome was.
Negotiate beyond base salary at the offer stage
Commercial banking officers often have room to negotiate production bonuses, loan origination incentives, and professional development budgets. Ask about the structure of incentive compensation before accepting, since that component can vary significantly across institutions.
Commercial Banking Officer Jobs: Frequently Asked Questions
Which companies are hiring the most commercial banking officers?
ServisFirst Bank, JPMorganChase, and Mid Penn Bank are hiring the most commercial banking officers right now, with openings concentrated in Ohio, Florida, and Kansas, based on current listings on Migrate Mate as of November 2026. Regional and community banks consistently account for a large share of active postings alongside larger national institutions.
How many commercial banking officer jobs are remote?
About 60% of commercial banking officer openings are fully remote or hybrid as of November 2026, reflecting the relationship-driven nature of the role, which typically requires in-person client contact. Credit analysis and portfolio review functions are more likely to allow flexible or hybrid arrangements than front-line business development roles.
How do you become a commercial banking officer?
Start with a bachelor's degree in finance, accounting, or business, then pursue an entry-level role such as credit analyst or business banking associate at a bank or credit union. Complete a formal credit training program if your employer offers one, build underwriting and relationship management skills over several years, and pursue a commercial lending certification to accelerate your path to officer-level responsibility.
Can you get hired as a commercial banking officer with little experience?
Yes, some institutions hire candidates with limited direct experience into associate or junior officer roles, particularly if you have a strong academic background in finance and demonstrated analytical skills. Interning at a bank, completing a credit training program, or starting in a credit analyst or small business lending role gives you the foundational underwriting exposure that hiring managers look for before promoting to full officer status.
What does the commercial banking officer interview process look like?
Most processes include an initial screening call with a recruiter or HR contact, followed by one or two rounds with the hiring manager and a team lead. Expect technical questions on financial statement analysis, loan structuring, and credit risk, plus behavioral questions about client relationships and past deal experience. Final rounds at larger institutions may include a credit case study or a panel interview with senior lenders.
Where can I find and apply to commercial banking officer jobs?
You can find and apply to commercial banking officer jobs on Migrate Mate, which lists current openings from banks, credit unions, and financial institutions across the United States. Search for roles that match your experience level and specialization, then apply directly to each listing that fits your background and target market.
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