Citi's US Commercial Bank (CCB) is a rapidly growing business, targeting emerging, mid- and larger-sized companies with annual revenue generally from $100 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 to join the US CLM Digital, Technology & Communications (DTC) industry. This position reports directly to the US CLM DTC Industry Head and will be based in San Francisco, CA.
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. As part of the business and in direct partnership with relationship coverage bankers, 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 the appropriate credit structure based on various risk considerations.
The CLM Subsector Head will be expected to work with their coverage peers in specific deal related and transaction needs to implement and support the CLM and Coverage Heads agreed upon strategy. This role will partner with the Sector Head with the overall day to day portfolio management of the DTC portfolio, and more specifically, less complex transactions. This role will be ultimately responsible for the development of SVP Credit Officers as well as junior employees. The Subsector Head will be primarily responsible for ensuring completion of remediations, controls, working with peers in coverage and review of approval packages prior to submission to SCO.
The CLM Subsector 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. This role 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.
Key Responsibilities
Ensures compliance with regulatory requirements and Citi's policies / guidelines at all time
Leads and manages pipeline, risk and portfolio reviews for respective subsector
Represents business as senior credit professional for respective portfolio in various forums, including client discussion
Appropriately assesses risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
Provides informed views and effective client solutions in partnership with Coverage, Product and Risk, while balancing risk/reward trade-off
Drives quality and timeliness of end-to-end lending process and all credit deliverables to ensure timely response
Provides leadership on various special projects to meet evolving business needs, and recommend changes to improve existing processes to achieve greater efficiency and controls
Qualifications:
13+ years relevant experience
Strong experience supporting Digital, Technology, Communications, or innovation-driven businesses
Leadership experience managing and developing senior credit professionals
Proven track record of risk management & supporting the growth of client relationships through thought partnership
Strong credit fundamentals with the ability to articulate a view, work across a range of credit products, with experience in early problem recognition and resolution skills
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
Job Family Group:
Risk Management
Job Family:
Credit Risk
Time Type:
Full time
Primary Location:
San Francisco California United States
Primary Location Full Time Salary Range:
$200,000.00 - $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.
Most Relevant Skills
Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
Anticipated Posting Close Date:
Jul 15, 2026
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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Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.
