Credit Underwriter - Digital Tech & Comms; Vice President

Overview

Citi’s US Commercial Bank (CCB) targets emerging, mid- and larger-sized companies with annual revenue generally from $100 million to $3 billion. Commercial Lending Management (CLM) serves as an in-business credit function aligned with strategic industries and global target markets, delivering client-focused lending solutions through end-to-end ownership of the credit relationship. We are seeking a dynamic and motivated credit professional to join the US CLM Digital Tech & Comms team.

• Facilitate the end-to-end lending process within the US 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; identify emerging concerns that should be escalated
• 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, facilitating amendments and extensions, performing annual reviews and other credit requests, and related diligence
• Lead timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track covenant compliance, raise concerns, and take necessary actions in partnership with other stakeholders
• Direct and supervise the loan documentation process for new transactions and amendments; coordinate with internal partners and outside counsel to ensure terms and conditions are represented 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 the 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 and constructively with internal and external stakeholders to keep transactions moving forward in accordance with controls

• Experienced credit underwriting executive with deep and 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 credit underwriting
• 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, with experience in early problem recognition and resolution
• Learning agility: seeks resources to build knowledge/skills and applies learning to new situations
• Ability to reach decisions in a timely and transparent manner, assess when enough information is gathered, and defend the credit view
• Proficient 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 degree and/or additional certifications 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
Primary Location Full Time Salary Range: $ - $

In addition to salary, Citi’s offerings may include discretionary and formulaic incentive and retention awards. Citi offers benefits including medical, dental, vision, 401(k), life, accident, disability insurance, wellness programs, and paid time off. Availability of offerings may vary by jurisdiction, job level, and date of hire. For more information, visit

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.

Anticipated Posting Close Date:
Jan 29, 2026

Equal Opportunity Employer statement:
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, status as a protected veteran, or any other characteristic protected by law. For accommodations in the application process, view Accessibility at Citi and Citi’s EEO Policy Statement.