Director, In-Business Credit Industry Head – Digital, Technology, & Communications

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Job Overview

Citi’s U.S. Commercial Bank (CCB) is a rapidly growing business, targeting emerging, mid- and larger-sized companies with annual revenue from $10 million to $3 billion.  To facilitate the CCB’s wholesale lending activities, Commercial Lending Management (CLM) serves as an in-business credit function organized around our strategic industries and global target market approach.  CLM plays a critical role of the client delivery model for the CCB, translating thought-leadership, industry and product expertise, and an end-to-end ownership of the credit relationship into best-in-class lending solutions.  We are seeking a dynamic and motivated credit professional with relevant industry expertise to lead the US CLM – Technology, Media and Telecom (TMT) industry team.  The position reports directly to the North American Head of CLM as part of the credit leadership team, and is based in San Francisco, CA, or New York, NY.

The CLM Industry Head leads, and manages through a team of professionals, the end-to-end lending process for a covered industry vertical through the leadership of a team of credit professionals.  CLM is essential for the delivery of a wide range of financial solutions to Citi CCB clients, working in direct partnership with Relationship Managers and Independent Risk, to execute on the firm’s and client’s business objectives.  This can include working capital solutions, term loans and M&A financing, treasury and liquidity management services, foreign exchange, trade finance and interest rate derivatives.  The primary responsibilities of CLM include credit underwriting, due diligence, structuring and documentation, and portfolio monitoring.  Under the supervision of a CLM Industry Head, the CLM teams provide thorough, objective analysis of the financial condition and credit worthiness of borrowers, including prevailing covered industry sector and product/market conditions, as well as recommend the appropriate credit structure based on various risk considerations.

The CLM Industry Head is responsible for managing and approval oversight for a material amount of credit risk associated with capital deployed across a variety of lending products appropriate for commercial banking relationships.  The CLM Industry Head is a critical partner in directing and leading through their managed team the pre-screening of pipeline opportunities with Relationship Management for assessing credit appetite and identifying key issues, providing structuring input on financing options, driving internal analytical work product and discussions on credit approvals, and maintain ongoing credit oversight of the lending portfolio relationships through quarterly and/or annual reviews in addition to covenant and other reporting monitoring, as applicable.  The assigned industry or specialty vertical requires extensive knowledge of the unique sector and/or product drivers and key performance indicators to make well-informed credit underwriting decisions and proactively manage the portfolio based on a dynamic environment.  The CLM Industry Head provides sector and sub-segment insights for key internal and external stakeholders, contributes to industry-specific risk and portfolio content, including industry-level portfolio reviews, and leads the credit-specific risk assessments on new originations and portfolio requests.  This role drives strategic conversations with Coverage, Syndications, Independent Risk, and other senior product and functional partners, who often view the CLM Industry Head as a critical thought-partner in the overall credit formation process.  

The CLM Industry Head role also requires an extensive understanding of various Citi and CCB-specific credit policies, processes, and procedures, and how to apply these concepts consistently in practice, including ensuring the portfolio is appropriately risk-rated and classified, properly secured (if applicable) and that early warning signs are established and proactively addressed. CLM represents a critical “first line of defense” control function for the bank, ensuring the CCB's credit process is conducted in accordance with all internal and regulatory frameworks, and is responsive to relevant inquiries. 

The CLM Industry Head plays an important role in meeting a high standard for owning the work product of their respective portfolio and represent their covered accounts in numerous highly visible forums.  This role often advises or leads strategic projects for North American or Global CLM initiatives and provides critical inputs that direct the future of credit formation within the CCB.  Additionally, the CLM Industry Head identifies, creates and helps to deliver the necessary technical skills training to various teams across CCB to promote the development and application of credit skills, mentoring/managing junior and other support staff.

Responsibilities:

• Lead, develop and maintain a large team of highly effective credit professionals and support staff, both directly and indirectly managed
• Provide industry expertise and thought leadership by influencing key partners through the credit decision-making process to support business objectives
• Provide informed views and effective client solutions in partnership with Coverage, Product and Risk, while balancing risk/reward trade-off
• Drive quality and timeliness of end-to-end lending process and all credit deliverables for respective industry portfolio
• Thoroughly understand the relevant internal policy and regulatory frameworks, and how they are applied to day-to-day activities to ensure compliance and sustainability of business activity
• Lead periodic portfolio reviews with key partners to assess performance, trends and emerging risks
• Ensure appropriate regulatory classification and minimizing net credit losses for covered portfolio, as well as identify emerging areas of concerns that should be escalated
• Represent the business as a senior credit professional for respective covered portfolio in various forums, including client discussions
• Mentor and develop officer level and junior staff
• Apply a governance and controls mindset to all business activities, and identify, escalate and/or remediate observed gaps
• Provide leadership on various special projects to meet evolving business needs, and recommend changes to improve existing processes to achieve greater efficiency and controls.

Qualifications:

• 15+ years of experience in a credit decision and authority role working with more complex financing needs typical for Commercial-sized clients of a large multinational financial services organization
• Experienced senior credit executive with extensive knowledge of TMT or related industries, with significant transaction experience across all wholesale lending credit products appropriate for commercial clients
• Strong credit sense and ability to articulate a view, work across a range of credit products, with experience in early problem recognition and resolution skills
• Demonstrates learning agility: Seeks out resources and experience to continually build knowledge/skills; quickly and successfully applies learning to new situations
• Reaches decisions in a timely and transparent manner, knows when enough information has been collected to make sound decisions, takes calculated risks with the confidence to defend their credit view
• Leadership experience managing and developing a large team of credit professionals
• Ability to recruit, motivate and retain a diverse team of credit professionals at various levels
• Formal credit training with Senior Credit Officer credentials
• Excellent communication (written, verbal, presentation and listening) and organizational skills; ability to complete multiple priorities in a timely manner

Education:

• Bachelor’s/University degree, Master’s degree preferred and managerial experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as 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:

San Francisco California United States

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Primary Location Full Time Salary Range:

$170,000.00 - $300,000.00

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 20, 2026

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