Senior Vice President, Commercial Credit Underwriting – Digital, Tech & Communications

Citi's Commercial Banking division is seeking a Senior Vice President, Commercial Credit Underwriting to lead end-to-end credit underwriting and portfolio management within the Commercial Lending Management (CLM) team, focused on the Digital, Tech & Communications industry vertical and supporting mid‑to‑large commercial clients with annual revenues between $100 million and $3 billion. In this role, you will serve as a senior credit authority, partnering directly with Relationship Managers and Independent Risk to structure and deliver sophisticated lending solutions, from working capital facilities and term loans to M&A financing, trade finance, and interest rate derivatives.

This is a high‑impact, high‑visibility position at the center of credit decision‑making for one of Citi's fastest‑growing commercial banking businesses, with the flexibility to be based in either Irving, Texas or San Francisco, California.

• Own the end‑to‑end credit underwriting process for an assigned portfolio of Digital, Tech & Communications companies within Citi's Commercial Banking division, covering new originations, amendments, extensions, and annual reviews.
• Lead pre‑screening of lending opportunities with Relationship Management teams, assess credit appetite across the Digital, Tech & Communications sector, identify structural risks, and provide financing recommendations that effectively balance risk with business objectives.
• Assess the financial condition and creditworthiness of borrowers using deep sector knowledge of Digital, Tech & Communications industry drivers and key performance indicators, delivering well‑supported credit analysis to approve and manage a material portfolio of credit risk.
• Monitor portfolio compliance on a monthly and quarterly basis, tracking covenant adherence, identifying early warning signals within the sector, and escalating emerging credit concerns to relevant stakeholders with clearly recommended courses of action.
• Direct the loan documentation process for new transactions and modifications, coordinating with internal partners and external legal counsel to ensure all credit approval conditions are accurately reflected in closing documentation.
• Contribute sector‑level credit insights and Digital, Tech & Communications portfolio analysis to internal and external stakeholders, including participation in industry‑level portfolio reviews and high‑visibility credit forums.
• Mentor and develop junior credit professionals, building technical underwriting capability and sector knowledge across the broader Commercial Banking team.

• 10 or more years of credit underwriting, portfolio management, or risk management experience gained within a large multinational financial institution.
• Deep expertise in commercial and cross‑border lending, with the ability to structure, assess, and approve credit across a broad range of lending products including working capital facilities, term loans, and M&A financing.
• Demonstrated understanding of the Digital, Tech & Communications industry, including the unique financial profiles, sector‑specific performance indicators, and credit dynamics that characterize companies in this space.
• Applied knowledge of accounting principles and financial statement analysis as used in commercial credit underwriting and borrower assessment.
• Ability to form a clear, well‑reasoned credit view and communicate it effectively in writing, verbally, and in formal presentations to senior stakeholders and credit committees.
• Demonstrated ability to make sound, timely credit decisions under pressure, calibrate risk appropriately, and defend a credit position with confidence.
• Bachelor's degree in finance, business, economics, or a related field.

• Advanced degree such as an MBA, or professional certifications relevant to credit, risk, or financial analysis.
• Track record of advising on or leading strategic credit initiatives at a US or global level within a large financial institution.
• Experience managing a technology or communications sector lending portfolio, with familiarity in sub‑segments such as software, digital…