Vice President, Commercial Credit Officer - Commercial Lending Management (CLM)
Citigroup Inc, New York, NY, United States
Citi's Commercial Lending Management (CLM) organization is a core, in-business credit function supporting Citi's U.S. Commercial Bank. CLM partners closely with Relationship Managers and Independent Risk to deliver disciplined underwriting, strong portfolio oversight, and well-structured lending solutions for commercial clients.
We are seeking a
Vice President, Commercial Credit Officer
to join the CLM team in
Jacksonville, Florida , one of Citi's most significant U.S. hubs for commercial banking and credit operations. This role owns underwriting execution and portfolio oversight for a diversified commercial banking portfolio and serves as a key credit partner to bankers and risk stakeholders.
This is a
hands-on VP role
offering meaningful credit authority, stability, and long-term career growth within Citi's Jacksonville platform. Role Overview
The Vice President, Commercial Credit Officer is responsible for managing a material level of credit exposure across a portfolio of commercial clients. The role leads credit underwriting, structuring, documentation, and ongoing portfolio monitoring while balancing business objectives with sound risk discipline.
Key Responsibilities
Credit Underwriting & Portfolio Ownership
Lead the
end-to-end credit process
for new and existing commercial relationships Partner with Relationship Managers to pre-screen opportunities and assess credit appetite Prepare and challenge underwriting analysis, credit approvals, amendments, renewals, and annual reviews Provide credit decision accountability in coordination with Independent Risk Risk Management & Monitoring
Oversee quarterly and annual portfolio reviews, covenant compliance, and regulatory classifications Identify emerging risks early and recommend appropriate mitigation actions Ensure accurate risk ratings and minimize net credit losses for the assigned portfolio Execution & Documentation
Direct and oversee loan documentation processes for new transactions and modifications Coordinate with internal teams and external legal counsel to ensure approved credit terms are accurately documented Stakeholder Partnership
Participate in client discussions and internal credit forums Provide sector and portfolio insights to senior stakeholders Serve as a trusted credit partner across business, risk, and control teams Leadership & Continuous Improvement
Mentor and develop junior credit professionals Support training and technical skill development initiatives Recommend and drive process improvements to enhance efficiency and controls Qualifications & Experience
6-10 years of experience
in commercial credit underwriting, portfolio management, or credit risk Bachelor's degree in Finance, Accounting, Economics, or a related field Strong expertise in financial statement analysis, cash-flow analysis, and credit structuring Proven ability to exercise sound judgment and clearly articulate a credit view Strong written, verbal, and organizational skills Experience within a large or regional financial institution Exposure to a broad range of commercial lending products Master's degree or professional certification is a plus, but
not 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 & 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, 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: Apr 27, 2026
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their 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 are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.
View Citi's EEO Policy Statement and the Know Your Rights poster.
We are seeking a
Vice President, Commercial Credit Officer
to join the CLM team in
Jacksonville, Florida , one of Citi's most significant U.S. hubs for commercial banking and credit operations. This role owns underwriting execution and portfolio oversight for a diversified commercial banking portfolio and serves as a key credit partner to bankers and risk stakeholders.
This is a
hands-on VP role
offering meaningful credit authority, stability, and long-term career growth within Citi's Jacksonville platform. Role Overview
The Vice President, Commercial Credit Officer is responsible for managing a material level of credit exposure across a portfolio of commercial clients. The role leads credit underwriting, structuring, documentation, and ongoing portfolio monitoring while balancing business objectives with sound risk discipline.
Key Responsibilities
Credit Underwriting & Portfolio Ownership
Lead the
end-to-end credit process
for new and existing commercial relationships Partner with Relationship Managers to pre-screen opportunities and assess credit appetite Prepare and challenge underwriting analysis, credit approvals, amendments, renewals, and annual reviews Provide credit decision accountability in coordination with Independent Risk Risk Management & Monitoring
Oversee quarterly and annual portfolio reviews, covenant compliance, and regulatory classifications Identify emerging risks early and recommend appropriate mitigation actions Ensure accurate risk ratings and minimize net credit losses for the assigned portfolio Execution & Documentation
Direct and oversee loan documentation processes for new transactions and modifications Coordinate with internal teams and external legal counsel to ensure approved credit terms are accurately documented Stakeholder Partnership
Participate in client discussions and internal credit forums Provide sector and portfolio insights to senior stakeholders Serve as a trusted credit partner across business, risk, and control teams Leadership & Continuous Improvement
Mentor and develop junior credit professionals Support training and technical skill development initiatives Recommend and drive process improvements to enhance efficiency and controls Qualifications & Experience
6-10 years of experience
in commercial credit underwriting, portfolio management, or credit risk Bachelor's degree in Finance, Accounting, Economics, or a related field Strong expertise in financial statement analysis, cash-flow analysis, and credit structuring Proven ability to exercise sound judgment and clearly articulate a credit view Strong written, verbal, and organizational skills Experience within a large or regional financial institution Exposure to a broad range of commercial lending products Master's degree or professional certification is a plus, but
not 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 & 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, 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: Apr 27, 2026
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their 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 are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.
View Citi's EEO Policy Statement and the Know Your Rights poster.