Director, Commercial Credit Underwriter — Digital, Tech & Communications

About the role

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.

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.

Requirements

• 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.

Skills

• Analytical Thinking
• Credible Challenge
• Financial Analysis
• Governance, Policy, Procedure, and Regulation
• Risk Management Lifecycle

What We Offer

• 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.
• Hybrid working model with 3 days in the office and 2 days working remotely, providing flexibility alongside meaningful in-person collaboration.
• 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.