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Citi's U.S. Commercial Bank (CCB) is a high‑growth platform serving emerging, mid‑market, and large companies with revenues ranging from $100 million to $3 billion. At the core of this platform is Commercial Lending Management (CLM)—an in‑business, first‑line credit organization that partners closely with Coverage, Product, and Independent Risk to deliver disciplined underwriting, strong portfolio oversight, and scalable credit solutions. We are seeking a Director, Subsector Head – Digital, Technology & Communications (DTC) to join the DTC Industry vertical, reporting directly to the U.S. CLM DTC Industry Head. This role can be based in San Francisco or New York, Citi's primary hubs for technology, innovation, and commercial credit leadership. This is a senior Director‑level role with meaningful credit authority, leadership over VP Credit Officers, and high visibility across Banking, Risk, and executive stakeholders.
Job Responsibility:
Lead credit underwriting standards, approval readiness, and portfolio oversight for the DTC subsector
Partner with Coverage to assess transactions, structure solutions, and balance risk/reward trade‑offs
Review and challenge approval packages prior to submission to Senior Credit Officer forums
Lead pipeline, portfolio, and risk reviews across the subsector
Ensure accurate risk ratings, classifications, collateral considerations, and early‑warning identification
Drive remediation efforts and maintain strong compliance as a First Line of Defense leader
Represent credit in client discussions and internal governance forums
Serve as a trusted thought partner to Coverage, Product, Independent Risk, and Control functions
Provide informed, balanced perspectives on credit risk and client solutions
Lead and develop a team of VP Credit Officers and junior credit professionals
Drive technical skill development, mentorship, and succession planning
Promote consistent application of best practices across the subsector
Lead or contribute to U.S. and global CLM initiatives
Identify opportunities to improve underwriting efficiency, scalability, and controls
Champion enhancements to credit processes supporting innovation‑driven clients
Requirements:
13+ years of experience in commercial credit underwriting, credit risk management, or senior banking roles
Strong experience supporting Digital, Technology, Communications, or innovation‑driven businesses
Proven ability to exercise sound credit judgment and clearly articulate risk/reward views
Leadership experience managing and developing senior credit professionals
Executive‑level written, verbal, and presentation skills
Experience in a large, complex financial institution
Exposure to a broad range of commercial lending products
Advanced degree or formal credit training a plus, but not required
Nice to have:
Advanced degree or formal credit training
What we offer:
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
discretionary and formulaic incentive and retention awards