Assistant Vice President Credit Officer

Citi; Tampa (FL); On-site; USD 87,000 - 131,000; Full time

Benefits offered by this job

Medical, dental & vision coverage

401(k)

Paid time off

Job summary

Citi is seeking a highly motivated professional to join our Wholesale Lending Operations, focusing on complex real estate loan closings within affordable housing while supporting broader transaction management across the lending lifecycle.

The role requires meticulous analysis of LIHTC, tax credit programs, and construction financing, ensuring compliant, timely closings and robust data controls. Collaboration with underwriters, legal, and operations is essential.

Qualifications

• Bachelor's degree in Finance, Real Estate, Business Administration, or related field.

Responsibilities

• Manage a pipeline of affordable housing loan closings from commitment through funding.
• Coordinate with internal stakeholders and external parties to ensure timely closing.
• Review complex legal documentation and ensure LIHTC compliance in closing.
• Oversee closing conditions and documentation collection.
• Support transaction management and process improvements across the loan lifecycle.

Skills

Analytical Thinking

Financial Analysis

Governance

Policy

Procedure

Risk Management Lifecycle

Multitasking

Communication

Education

Bachelor's degree in Finance, Real Estate, Business Administration, or related field

Tools

DealTRAX

Client Portal

Job description

Citi Community Capital (CCC) is the premier affordable housing lender in the United States, consistently ranked #1 for the past 16 years. We are dedicated to providing financing for the development and preservation of affordable housing and community revitalization projects nationwide. Our innovative financial solutions empower communities, create opportunities, and foster sustainable growth. Join a team committed to making a tangible difference in people's lives and strengthening neighborhoods across the country.

The Wholesale Lending Operations closing team is responsible for supporting multiple aspects of the lending lifecycle. This includes, but is not limited to, loan closing and servicing coordination, facilitating complex client onboarding, data management, and quality control. The team is accountable for operational oversight of the closing and servicing of all conversion loan transactions across various business divisions to ensure all internal and external requirements are met.

Job Summary

Citi is seeking a highly motivated and experienced professional to join our dynamic team, focusing on complex real estate loan closing activities within affordable housing while contributing to broader transaction management functions across the lending lifecycle. The role involves managing all aspects of the loan closing process for complex transactions, ensuring timely, accurate, and compliant execution. This position requires a meticulous professional with a deep understanding of real estate finance, affordable housing development, the intricacies of tax credit structures, and broader loan operational processes. The individual will play a crucial role in enhancing performance, efficiency, and ensuring compliance throughout the loan lifecycle.

Key Responsibilities

• Loan Closing (Affordable Housing Focus):
• Manage a pipeline of affordable housing loan closings from commitment through funding, including construction loans, permanent loans, and bond financings.
• Coordinate extensively with internal stakeholders (underwriting, legal, portfolio management, credit risk, operations) and external parties (counsel, developers, syndicators, investors, government agencies).
• Review and analyze complex legal documentation.
• Exhibit an understanding of Low-Income Housing Tax Credits (LIHTC) and other tax credit programs, ensuring compliance requirements are meticulously integrated into the closing process.
• Oversee the satisfaction of all closing conditions, track critical deadlines, and manage the collection and review of all required documentation.
• Proactively identify and resolve issues, collaborating with all parties to ensure smooth and efficient transaction completion.
• Broader Transaction Management & Lifecycle Support:
• Assist with the creation and continuous improvement of processes, standards, procedures, controls, and training for transaction management.
• Aid in the design, implementation, testing, and rollout of technology solutions related to loan lifecycle management.
• Provide training and support to transaction management staff and business constituents.
• Ensure that data quality, controls, and processes meet internal policies and regulatory requirements and expectations.
• Work with lines of business, and wholesale lending operations to define and implement operational metrics and risk and control reviews to ensure end-to-end transparency.
• Participate in projects aimed at enhancing performance and efficiency, including loan remediation and loan system testing/migrations.
• Actively manage and maintain a deal closing pipeline of loan transactions and lifecycle events.
• Capture data, store documentation, troubleshoot issues/roadblocks, and perform quality control for loan transactions.
• 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.
• Any additional task that may be required to successfully perform the role.

Qualifications

• Education:
• Bachelor's/University degree or equivalent experience in Finance, Real Estate, Business Administration, or a related field.
• Experience & Expertise:
• 3-5 years of relevant experience in loan closing or transaction management within financial services, with a strong preference for affordable housing finance.
• Demonstrated expertise in real estate and construction finance, affordable housing finance, including a thorough understanding of Low-Income Housing Tax Credits (LIHTC), tax-exempt bonds, and other subsidy programs.
• Knowledge of deal structure and familiarity with internal business systems (such as DealTRAX, Client Portal)
• Proficiency in Microsoft Office Suite (Word, Excel, Outlook). Tableau or visualization tool familiarity is a plus.
• Skills:
• Proven ability to manage multiple tasks simultaneously under tight deadlines and prioritize effectively with minimal management follow-up.
• Exceptional organizational skills, keen attention to detail, and developed analytical and problem-solving abilities.
• Excellent written and verbal communication, interpersonal, and client relationship skills, with the ability to effectively interact with all levels of internal and external stakeholders.
• Ability to work independently and as part of a collaborative team in a fast-paced, continuously changing environment where priorities are frequently shifting.
• Understanding and awareness of appropriate corporate and regulatory policies in relation to lending.

Job Family Group

Risk Management

Job Family

Credit Risk

Time Type

Full time

Primary Location

Tampa Florida United States

Primary Location Full Time Salary Range

$87,280.00 - $130,920.00

Benefits

In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards.

• medical, dental & vision coverage
• 401(k)
• life, accident, and disability insurance
• 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

Oct 22, 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.

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