Credit Underwriter - Digital Tech & Comms (Vice President)
Citigroup Inc., Irving, Texas, United States, 75084
Overview
Citi’s US Commercial Bank (CCB) is a rapidly growing business, targeting emerging, mid- and larger-sized companies with annual revenue generally from $100 million to $3 billion. The Commercial Lending Management (CLM) function serves as an in-business credit provider organized around strategic industries and global target markets, delivering end-to-end credit relationships and best-in-class lending solutions. We are seeking a dynamic and motivated credit professional to join the US CLM Digital Tech & Comms team.
Key Responsibilities
Facilitate the end-to-end lending process within the US CCB for the assigned relationships and portfolio
Know the assigned portfolio and industry, articulate and support a credit view based on well-supported analysis balancing risk and business objectives
Ensure appropriate regulatory classification and minimize net credit losses for the covered portfolio; identify emerging areas of concern to escalate
Provide accountability for decisioning using credit covering 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, amendments and extensions, annual reviews, and related diligence
Lead timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track loan covenant compliance and take necessary actions in partnership with key stakeholders
Direct and supervise the loan documentation process for new transactions and amendments; coordinate with internal partners and/or outside counsel to ensure terms are accurately reflected in closing documents
Conduct periodic client calls on portfolio clients and select new-to-bank opportunities in partnership with the Relationship Manager
Develop and maintain extensive knowledge of 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 processes for greater efficiency and controls
Work proactively with internal and external stakeholders to keep transactions moving forward in accordance with appropriate controls
Qualifications
Experienced credit underwriting executive with deep, relevant industry expertise, particularly in commercial and cross-border lending
5+ 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 manage multiple priorities
Strong credit sense and ability to articulate a view across a range of credit products; experience in early problem recognition and resolution
Learning agility; ability to continually build knowledge/skills and apply learning to new situations
Timely and transparent decision-making; ability to determine when enough information has been collected to make informed decisions; comfortable taking calculated risks with a defendable credit view
Proficiency in spreadsheet and word processing applications
Bachelor’s degree in Economics, Accounting, Finance, Mathematics, Data Science, Business, Engineering, Computer Science, or other quantitative field
Advanced degrees and other certifications are considered but not required
Job Details
Job Family Group:
Risk Management
Job Family:
Credit Risk
Time Type:
Full time
Primary Location:
Irving, Texas, United States
Salary Range:
$114,720.00 - $172,080.00
In addition to salary, Citi’s offerings may include discretionary and formulaic incentive and retention awards. Citi offers benefits including medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also provides paid time off packages and holidays. Availability of programs varies by jurisdiction, job level, and date of hire.
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: Feb 03, 2026
Citi is an equal opportunity employer. Qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you require a reasonable accommodation to use our search tools or apply for a career opportunity, review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.
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Key Responsibilities
Facilitate the end-to-end lending process within the US CCB for the assigned relationships and portfolio
Know the assigned portfolio and industry, articulate and support a credit view based on well-supported analysis balancing risk and business objectives
Ensure appropriate regulatory classification and minimize net credit losses for the covered portfolio; identify emerging areas of concern to escalate
Provide accountability for decisioning using credit covering 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, amendments and extensions, annual reviews, and related diligence
Lead timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track loan covenant compliance and take necessary actions in partnership with key stakeholders
Direct and supervise the loan documentation process for new transactions and amendments; coordinate with internal partners and/or outside counsel to ensure terms are accurately reflected in closing documents
Conduct periodic client calls on portfolio clients and select new-to-bank opportunities in partnership with the Relationship Manager
Develop and maintain extensive knowledge of 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 processes for greater efficiency and controls
Work proactively with internal and external stakeholders to keep transactions moving forward in accordance with appropriate controls
Qualifications
Experienced credit underwriting executive with deep, relevant industry expertise, particularly in commercial and cross-border lending
5+ 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 manage multiple priorities
Strong credit sense and ability to articulate a view across a range of credit products; experience in early problem recognition and resolution
Learning agility; ability to continually build knowledge/skills and apply learning to new situations
Timely and transparent decision-making; ability to determine when enough information has been collected to make informed decisions; comfortable taking calculated risks with a defendable credit view
Proficiency in spreadsheet and word processing applications
Bachelor’s degree in Economics, Accounting, Finance, Mathematics, Data Science, Business, Engineering, Computer Science, or other quantitative field
Advanced degrees and other certifications are considered but not required
Job Details
Job Family Group:
Risk Management
Job Family:
Credit Risk
Time Type:
Full time
Primary Location:
Irving, Texas, United States
Salary Range:
$114,720.00 - $172,080.00
In addition to salary, Citi’s offerings may include discretionary and formulaic incentive and retention awards. Citi offers benefits including medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also provides paid time off packages and holidays. Availability of programs varies by jurisdiction, job level, and date of hire.
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: Feb 03, 2026
Citi is an equal opportunity employer. Qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you require a reasonable accommodation to use our search tools or apply for a career opportunity, review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.
#J-18808-Ljbffr