Commercial Credit Underwriting - Digital, Tech & Communications; Vice President

Commercial Credit Underwriting – Digital, Tech & Communications (Vice President) Job Req :

Irving, Texas, United States, Chicago, Illinois, United States

Hybrid

Aug. 21, 2026

Working at Citi is far more than just a job. A career with us means joining a team of approximately 219,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Citi is looking for a Commercial Credit Officer to take ownership of credit underwriting and portfolio management within its rapidly growing US Commercial Bank, serving mid-to-large companies with revenues from $100 million to $3 billion. In this role, you will sit at the center of the lending process — assessing credit risk, structuring financing solutions, and partnering directly with relationship bankers and independent risk teams to deliver best-in-class outcomes for clients.

Your decisions will directly shape the credit quality and performance of a significant commercial lending portfolio for the Digital, Technology & Communications (DTC) vertical.

• Manage the end-to-end credit underwriting process for new and existing commercial relationships, from initial pre-screening and credit appetite assessment through to approval, documentation, and ongoing portfolio oversight.
• Assess the creditworthiness of commercial borrowers by conducting detailed financial statement analysis, cash flow modeling, trend, and ratio analysis, and evaluating complex business structures including those with international subsidiaries.
• Prepare comprehensive written credit analyses that articulate the financing need, key risk factors, structural considerations, and a well-supported credit recommendation.
• Monitor existing borrowers through monthly and quarterly financial reviews, tracking covenant compliance, identifying early warning indicators, and escalating emerging concerns to relevant stakeholders.
• Oversee the loan documentation process for new transactions and amendments, coordinating with internal partners and external legal counsel to ensure all approval terms are accurately reflected in closing documents.
• Maintain regulatory compliance across the portfolio by ensuring accurate risk ratings, appropriate classification, and adherence to all applicable credit policies and regulatory frameworks.
• Mentor and develop junior credit professionals, sharing technical expertise and contributing to training initiatives that build credit skills across the wider commercial banking team.

• 5+ years of credit underwriting and portfolio management experience within a commercial or corporate banking environment focused on technology companies, with a background operating within regulatory and compliance policy frameworks.
• Ability to analyze and interpret complex financial statements, cash flow positions, and technology industry-specific performance metrics for companies with sophisticated or multi-entity structures.
• Working knowledge of accounting principles and their practical application in a credit underwriting context.
• Highly organized with the ability to manage multiple transactions simultaneously, meet deadlines consistently, and maintain accuracy in a fast-moving environment.
• Clear and confident communicator, able to present credit views and engage constructively with relationship managers, risk teams, senior stakeholders, and external counter parties.
• Skilled at identifying, analyzing, and resolving complex credit issues, balancing risk considerations with commercial objectives to reach sound conclusions.
• Proficient in Excel and Word, including financial modelling, enterprise valuation,…