Director, Commercial Banking Underwriter - Digital, Tech & Communications

Citi is seeking a Senior Credit Leader to join its Commercial Lending Management (CLM) team as Director of Commercial Credit for the Digital, Technology & Communications (DTC) Subsector, based in  
** San Francisco, CA.
** In this role, you will serve as the primary credit authority for a portfolio of mid- to large-sized technology, digital, and communications companies, partnering directly with coverage bankers and risk teams to deliver best-in-class lending solutions. Reporting to the DTC Industry Head, you will shape the credit strategy and day-to-day portfolio management for one of Citi's fastest-growing commercial banking businesses, targeting companies with annual revenues generally between $100 million and $3 billion.

** Responsibilities*
* + Serve as the senior credit authority for the DTC subsector portfolio, leading pipeline reviews, risk assessments, and portfolio monitoring to maintain credit quality and drive timely lending decisions.

+ Partner with coverage bankers and risk teams to structure and deliver a broad range of financial solutions - including working capital facilities, term loans, M&A financing, treasury management, trade finance, and interest rate derivatives.

+ Review and approve credit packages prior to submission to senior credit officers, ensuring accuracy, completeness, and alignment with Citi's credit policies and risk frameworks.

+ Ensure the portfolio is appropriately risk-rated, properly secured where applicable, and that early warning indicators are identified and addressed proactively.

+ Mentor and develop senior credit officers and junior team members, building individual capability and elevating overall team performance across the subsector.

+ Represent the DTC portfolio in senior internal forums and client discussions, communicating well-reasoned credit views with clarity and confidence.

+ Lead process improvement initiatives to enhance the efficiency, quality, and control environment of the end-to-end credit delivery process.

** Required

Qualifications & Skills *
* +  
** 13 or more years of experienc
** e in commercial credit, corporate banking, or a related financial services discipline.

+ Demonstrated expertise in credit underwriting, structuring, and portfolio management across a range of lending products, including syndicated loans, term facilities, and revolving credit.

+ Sector knowledge in digital, technology, communications, or innovation-driven businesses, with the ability to assess credit risk within these industries.

+ Track record of leading and developing senior credit professionals, with accountability for team performance and talent growth.

+ Ability to reach clear, well-supported credit decisions under time pressure, with the confidence to defend positions to senior stakeholders.

+ Experience identifying early-stage credit deterioration and implementing effective remediation strategies across a live portfolio.

+ Thorough knowledge of commercial lending regulations, credit risk frameworks, and the compliance obligations applicable to wholesale banking activities.

** What We Offer*
* At Citi, you will have the opportunity to lead at the center of one of the world's most active commercial banking platforms, working alongside experienced bankers, risk professionals, and sector specialists in a performance-driven environment. This is a high-impact role with real ownership, visibility, and scope to shape both the portfolio and the team around you.

+ Hybrid working model with 3 days in the office and 2 days working remotely, providing flexibility alongside meaningful in-person collaboration.

+ Strategic influence over a high-growth commercial lending portfolio covering some of the most dynamic sectors in the market.

+ Direct access to senior leadership and visibility across the organization through participation in high-profile credit forums and client engagements.

+ Opportunities to develop and lead a team of experienced credit professionals, with clear scope to build lasting impact through talent development.

+ Competitive compensation and financial wellbeing benefits commensurate with a senior leadership position at a global financial institution.

+ Access to learning and professional development resources to support continued growth at the Director level and beyond.

Apply now to take ownership of a senior credit leadership role at Citi, where your expertise in commercial lending and the technology sector will shape real outcomes for clients and the business.

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- ** Job Family Group:*
* Risk Management

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- ** Job Family:*
* Credit Risk

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- ** Time Type:*
* Full time

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- ** Primary

Location:

*
* San Francisco California United States

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- ** Primary Location Full Time Salary Range:*
* $ - $

In addition to salary, Citi's offerings may also…