Vice President, Commercial Credit Officer – Commercial Lending Management (CLM)

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Job Overview

Citi’s Commercial Lending Management (CLM) organization is a core, in‑business credit function supporting Citi’s U.S. Commercial Bank. CLM partners closely with Relationship Managers and Independent Risk to deliver disciplined underwriting, strong portfolio oversight, and well‑structured lending solutions for commercial clients.

We are seeking a Vice President, Commercial Credit Officer to join the CLM team in Jacksonville, Florida, one of Citi’s most significant U.S. hubs for commercial banking and credit operations. This role owns underwriting execution and portfolio oversight for a diversified commercial banking portfolio and serves as a key credit partner to bankers and risk stakeholders.

This is a hands‑on VP role offering meaningful credit authority, stability, and long‑term career growth within Citi’s Jacksonville platform.

Role Overview

The Vice President, Commercial Credit Officer is responsible for managing a material level of credit exposure across a portfolio of commercial clients. The role leads credit underwriting, structuring, documentation, and ongoing portfolio monitoring while balancing business objectives with sound risk discipline.

Key Responsibilities

Credit Underwriting & Portfolio Ownership

• Lead the end‑to‑end credit process for new and existing commercial relationships
• Partner with Relationship Managers to pre‑screen opportunities and assess credit appetite
• Prepare and challenge underwriting analysis, credit approvals, amendments, renewals, and annual reviews
• Provide credit decision accountability in coordination with Independent Risk

Risk Management & Monitoring

• Oversee quarterly and annual portfolio reviews, covenant compliance, and regulatory classifications
• Identify emerging risks early and recommend appropriate mitigation actions
• Ensure accurate risk ratings and minimize net credit losses for the assigned portfolio

Execution & Documentation

• Direct and oversee loan documentation processes for new transactions and modifications
• Coordinate with internal teams and external legal counsel to ensure approved credit terms are accurately documented

Stakeholder Partnership

• Participate in client discussions and internal credit forums
• Provide sector and portfolio insights to senior stakeholders
• Serve as a trusted credit partner across business, risk, and control teams

Leadership & Continuous Improvement

• Mentor and develop junior credit professionals
• Support training and technical skill development initiatives
• Recommend and drive process improvements to enhance efficiency and controls

Qualifications & Experience

• 6–10 years of experience in commercial credit underwriting, portfolio management, or credit risk
• Bachelor’s degree in Finance, Accounting, Economics, or a related field
• Strong expertise in financial statement analysis, cash‑flow analysis, and credit structuring
• Proven ability to exercise sound judgment and clearly articulate a credit view
• Strong written, verbal, and organizational skills
• Experience within a large or regional financial institution
• Exposure to a broad range of commercial lending products
• Master’s degree or professional certification is a plus, but not required

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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:

Jacksonville Florida United States

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Primary Location Full Time Salary Range:

$103,920.00 - $155,880.00

In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

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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.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

Apr 27, 2026

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

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