Director, Commercial Underwriter — Digital, Tech & Communications

Citi • San Francisco, CA

2d • $200,000 - $300,000 • Hybrid

About The Position

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.

Requirements

• 13 or more years of experience 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.
• Analytical Thinking
• Credible Challenge
• Financial Analysis
• Governance, Policy, Procedure, and Regulation
• Risk Management Lifecycle

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.

Benefits

• medical
• dental & vision coverage
• 401(k)
• life, accident, and disability insurance
• wellness programs
• paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed