Citigroup Inc.
Commercial Credit Underwriter - Vice President
Citigroup Inc., Jacksonville, Florida, United States, 32290
Commercial Lending Management (CLM) is essential for delivering a wide range of financial solutions to Citi CCB clients. It works in direct partnership with Relationship Managers and Independent Risk to execute on the firm’s and client’s business objectives, including working capital solutions, term loans, M&A financing, treasury and liquidity management services, foreign exchange, trade finance, and interest rate derivatives. The primary responsibilities of CLM include credit underwriting, due diligence, structuring and documentation, and portfolio monitoring. As part of the business line, CLM teams provide thorough, objective analysis of the financial condition and credit worthiness of borrowers, including prevailing covered industry sector and product/market conditions, and the appropriate credit structure based on various risk considerations.
The CLM Vice President is responsible for managing a material amount of credit risk associated with capital deployed across a variety of lending products that are appropriate for commercial banking relationships. It is a critical partner in the pre-screening of pipeline opportunities with Relationship Management for assessing credit appetite, identifying key issues, providing structuring input on financing options, driving internal analytical work product, and facilitating discussions on credit approvals. The Vice President maintains ongoing credit oversight of the lending portfolio through quarterly and/or annual reviews, covenant and other reporting monitoring, and provides sector and sub-segment insights for key stakeholders. It also leads the credit-specific risk assessments on new originations and portfolio requests.
The role requires an extensive understanding of various Citi and CCB-specific credit policies, processes, and procedures, and the ability to apply these concepts consistently in practice, ensuring the portfolio is properly risk-rated, classified, secured, and monitored. CLM represents a critical "first line of defense" control function for the bank, ensuring the CCB’s credit process complies with all internal and regulatory frameworks. The Vice President also identifies, creates, and delivers technical skill training to teams across CCB and mentors or manages junior staff.
Responsibilities
Facilitate the end-to-end lending process within the U.S. CCB for the assigned relationships and portfolio.
Be knowledgeable of the assigned portfolio and industry, and articulate and support a credit view based on well-supported analysis that balances risk and business objectives.
Ensure appropriate regulatory classification and minimize net credit losses for the covered portfolio, identifying emerging concerns that should be escalated.
Take accountability for decisioning using credit approval authority in tandem with Independent Risk.
Directly manage the analysis and workflow of underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, and conduct related diligence.
Lead the timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio.
Direct and supervise the loan documentation process for both new transactions and amendments or modifications; including coordination with internal partners and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents.
Conduct periodic client calls on all portfolio clients and select new-to-bank opportunities in partnership with the Relationship Manager.
Develop and maintain extensive knowledge of the various credit products and services offered to CCB clients.
Mentor and develop junior staff to become effective resources and future Credit Officers and Bankers.
Recommend changes to improve existing processes to achieve greater efficiency and controls.
Work proactively and diplomatically with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls.
Qualifications
6–10 years of experience in credit underwriting, portfolio and/or risk management with a large multinational financial services organization.
Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process.
Excellent communication (written, verbal, presentation and listening) and organizational skills; ability to complete multiple priorities in a timely manner.
Strong credit sense and ability to articulate a view, work across a range of credit products, with experience in early problem recognition and resolution skills.
Demonstrates learning agility: seeks out resources and experiences to continually build knowledge and skills; quickly and successfully applies learning to new situations.
Reaches decisions in a timely and transparent manner, knows when enough information has been collected to make sound decisions, and takes calculated risks with confidence to defend the credit view.
Proficient in various spreadsheet and word processing applications.
Education
Bachelor’s/University degree in Economics, Accounting, Finance, Mathematics, Data Science, Business, Engineering, Computer Science, or other quantitative field. Master’s degree preferred.
This job description provides a high-level review of the types of work performed. Other job‑related duties may be assigned as required.
Job Family Group:
Risk Management
Job Family:
Credit Risk
Time Type:
Full time
Primary Location:
Jacksonville, Florida United States
Primary Location Full Time Salary Range:
$103,920.00 – $155,880.00
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 and 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.
Most Relevant Skills:
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
Other Relevant Skills:
For complementary skills, please see above and/or contact the recruiter.
Anticipated Posting Close Date:
Jan 15, 2026
Citi is an equal‑opportunity employer, and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity, contact Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.
#J-18808-Ljbffr
The CLM Vice President is responsible for managing a material amount of credit risk associated with capital deployed across a variety of lending products that are appropriate for commercial banking relationships. It is a critical partner in the pre-screening of pipeline opportunities with Relationship Management for assessing credit appetite, identifying key issues, providing structuring input on financing options, driving internal analytical work product, and facilitating discussions on credit approvals. The Vice President maintains ongoing credit oversight of the lending portfolio through quarterly and/or annual reviews, covenant and other reporting monitoring, and provides sector and sub-segment insights for key stakeholders. It also leads the credit-specific risk assessments on new originations and portfolio requests.
The role requires an extensive understanding of various Citi and CCB-specific credit policies, processes, and procedures, and the ability to apply these concepts consistently in practice, ensuring the portfolio is properly risk-rated, classified, secured, and monitored. CLM represents a critical "first line of defense" control function for the bank, ensuring the CCB’s credit process complies with all internal and regulatory frameworks. The Vice President also identifies, creates, and delivers technical skill training to teams across CCB and mentors or manages junior staff.
Responsibilities
Facilitate the end-to-end lending process within the U.S. CCB for the assigned relationships and portfolio.
Be knowledgeable of the assigned portfolio and industry, and articulate and support a credit view based on well-supported analysis that balances risk and business objectives.
Ensure appropriate regulatory classification and minimize net credit losses for the covered portfolio, identifying emerging concerns that should be escalated.
Take accountability for decisioning using credit approval authority in tandem with Independent Risk.
Directly manage the analysis and workflow of underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, and conduct related diligence.
Lead the timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio.
Direct and supervise the loan documentation process for both new transactions and amendments or modifications; including coordination with internal partners and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents.
Conduct periodic client calls on all portfolio clients and select new-to-bank opportunities in partnership with the Relationship Manager.
Develop and maintain extensive knowledge of the various credit products and services offered to CCB clients.
Mentor and develop junior staff to become effective resources and future Credit Officers and Bankers.
Recommend changes to improve existing processes to achieve greater efficiency and controls.
Work proactively and diplomatically with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls.
Qualifications
6–10 years of experience in credit underwriting, portfolio and/or risk management with a large multinational financial services organization.
Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process.
Excellent communication (written, verbal, presentation and listening) and organizational skills; ability to complete multiple priorities in a timely manner.
Strong credit sense and ability to articulate a view, work across a range of credit products, with experience in early problem recognition and resolution skills.
Demonstrates learning agility: seeks out resources and experiences to continually build knowledge and skills; quickly and successfully applies learning to new situations.
Reaches decisions in a timely and transparent manner, knows when enough information has been collected to make sound decisions, and takes calculated risks with confidence to defend the credit view.
Proficient in various spreadsheet and word processing applications.
Education
Bachelor’s/University degree in Economics, Accounting, Finance, Mathematics, Data Science, Business, Engineering, Computer Science, or other quantitative field. Master’s degree preferred.
This job description provides a high-level review of the types of work performed. Other job‑related duties may be assigned as required.
Job Family Group:
Risk Management
Job Family:
Credit Risk
Time Type:
Full time
Primary Location:
Jacksonville, Florida United States
Primary Location Full Time Salary Range:
$103,920.00 – $155,880.00
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 and 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.
Most Relevant Skills:
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
Other Relevant Skills:
For complementary skills, please see above and/or contact the recruiter.
Anticipated Posting Close Date:
Jan 15, 2026
Citi is an equal‑opportunity employer, and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity, contact Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.
#J-18808-Ljbffr