Director, Commercial Underwriter — Digital, Tech & Communications

Citigroup Inc.; San Francisco (CA); Hybrid; USD 200,000 - 300,000; Full time

Benefits offered by this job

Hybrid work model

Competitive compensation

Learning & development resources

Senior leadership exposure

Discretionary incentive programs

Job summary

Citigroup Inc. is seeking a Senior Credit Leader to join the Commercial Lending Management team as Director of Commercial Credit for the Digital, Technology & Communications Subsector, based in San Francisco, CA.

You will be the primary credit authority for mid- to large-sized tech, digital, and communications companies, partnering with coverage bankers and risk teams to deliver lending solutions. You will shape credit strategy and portfolio management while mentoring senior officers and

Qualifications

• 13+ years of experience in commercial credit, corporate banking, or related financial services.
• Expertise in underwriting, structuring, and portfolio management across lending products.
• Sector knowledge in digital, technology, communications, or innovation-driven businesses.
• Record of leading and developing senior credit professionals.
• Ability to make clear credit decisions under time pressure and defend positions.
• Experience identifying early-stage credit deterioration and remediation.
• Thorough knowledge of commercial lending regulations and risk frameworks.

Responsibilities

• Serve as the senior credit authority for the DTC subsector portfolio and lead risk reviews.
• Partner with coverage bankers and risk teams to structure and deliver financial solutions.
• Review and approve credit packages for submission to senior credit officers.
• Ensure proper risk rating, security where applicable, and proactive remediation.
• Mentor and develop senior credit officers and junior staff.
• Represent the DTC portfolio in internal forums and client discussions with clear credit views.
• Lead process improvements to enhance end-to-end credit delivery.

Skills

Analytical Thinking

Credible Challenge

Financial Analysis

Governance

Policy & Regulation

Risk Management

Leadership

Job description

Citi is seeking a Senior Credit Leader to join its Commercial Lending Management (CLM) team as Director of Commercial Credit for the Digital, Technology & Communications (DTC) Subsector, based in San Francisco, CA. In this role, you will serve as the primary credit authority for a portfolio of mid- to large-sized technology, digital, and communications companies, partnering directly with coverage bankers and risk teams to deliver best-in-class lending solutions. Reporting to the DTC Industry Head, you will shape the credit strategy and day-to-day portfolio management for one of Citi's fastest-growing commercial banking businesses, targeting companies with annual revenues generally between $100 million and $3 billion.

Responsibilities

• Serve as the senior credit authority for the DTC subsector portfolio, leading pipeline reviews, risk assessments, and portfolio monitoring to maintain credit quality and drive timely lending decisions.
• Partner with coverage bankers and risk teams to structure and deliver a broad range of financial solutions — including working capital facilities, term loans, M&A financing, treasury management, trade finance, and interest rate derivatives.
• Review and approve credit packages prior to submission to senior credit officers, ensuring accuracy, completeness, and alignment with Citi's credit policies and risk frameworks.
• Ensure the portfolio is appropriately risk-rated, properly secured where applicable, and that early warning indicators are identified and addressed proactively.
• Mentor and develop senior credit officers and junior team members, building individual capability and elevating overall team performance across the subsector.
• Represent the DTC portfolio in senior internal forums and client discussions, communicating well-reasoned credit views with clarity and confidence.
• Lead process improvement initiatives to enhance the efficiency, quality, and control environment of the end-to-end credit delivery process.

Required Qualifications & Skills

• 13 or more years of experience in commercial credit, corporate banking, or a related financial services discipline.
• Demonstrated expertise in credit underwriting, structuring, and portfolio management across a range of lending products, including syndicated loans, term facilities, and revolving credit.
• Sector knowledge in digital, technology, communications, or innovation-driven businesses, with the ability to assess credit risk within these industries.
• Track record of leading and developing senior credit professionals, with accountability for team performance and talent growth.
• Ability to reach clear, well-supported credit decisions under time pressure, with the confidence to defend positions to senior stakeholders.
• Experience identifying early-stage credit deterioration and implementing effective remediation strategies across a live portfolio.
• Thorough knowledge of commercial lending regulations, credit risk frameworks, and the compliance obligations applicable to wholesale banking activities.

What We Offer

At Citi, you will have the opportunity to lead at the center of one of the world's most active commercial banking platforms, working alongside experienced bankers, risk professionals, and sector specialists in a performance-driven environment. This is a high-impact role with real ownership, visibility, and scope to shape both the portfolio and the team around you.

• Hybrid working model with 3 days in the office and 2 days working remotely, providing flexibility alongside meaningful in-person collaboration.
• Strategic influence over a high-growth commercial lending portfolio covering some of the most dynamic sectors in the market.
• Direct access to senior leadership and visibility across the organization through participation in high-profile credit forums and client engagements.
• Opportunities to develop and lead a team of experienced credit professionals, with clear scope to build lasting impact through talent development.
• Competitive compensation and financial wellbeing benefits commensurate with a senior leadership position at a global financial institution.
• Access to learning and professional development resources to support continued growth at the Director level and beyond.

Job Family Group:

Risk Management

Job Family:

Credit Risk

Time Type:

Full time

Primary Location:

San Francisco California United States

Primary Location Full Time Salary Range:

$200,000.00 - $300,000.00

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.

Anticipated Posting Close Date:

Oct 14, 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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