Assistant Vice President Credit Officer

Citigroup; Tampa (FL); On-site; USD 90,000 - 150,000; Full time

Job summary

Citi Community Capital, the premier affordable housing lender in the United States, seeks an experienced professional to manage complex loan closings within affordable housing and support transaction management across the lending lifecycle.

You will oversee closings from commitment through funding, coordinate with internal teams and external partners, and ensure compliance with LIHTC and related tax credit programs, deadlines, and documentation quality.

Qualifications

• Bachelor's degree in Finance, Real Estate, Business Administration or related field.
• 3–5 years of loan closing/transaction management experience in financial services, preferably affordable housing finance.
• Thorough understanding of LIHTC, tax-exempt bonds and subsidy programs.

Responsibilities

• Manage a pipeline of affordable housing loan closings from commitment through funding.
• Coordinate with underwriting, legal, portfolio management, credit risk, operations and external parties.
• Review and analyze complex legal documents and ensure LIHTC compliance in the closing process.
• Oversee closing conditions, deadlines, and documentation collection/review.
• Support process improvements, controls, and training for transaction management; assist with technology implementations and data quality.

Skills

Real estate finance

LIHTC knowledge

Tax-exempt bonds

Closing coordination

Transaction management

Education

Bachelor's in Finance/Real Estate/Business

Tools

DealTRAX

Client Portal

Microsoft Word

Microsoft Excel

Microsoft Outlook

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.

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 fa