Citi

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

Citi

full-time

Posted on:

Location Type: Hybrid

Location: San Francisco • California • New York • United States

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Salary

💰 $170,000 - $300,000 per year

Job Level

Lead

About the role

  • 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.

Requirements

  • 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
Benefits
  • medical, dental & vision coverage
  • 401(k)
  • life, accident, and disability insurance
  • wellness programs
  • planned time off (vacation)
  • unplanned time off (sick leave)
  • paid holidays
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
credit decision-makingcredit productsportfolio managementrisk assessmentregulatory compliancegovernance and controlsproblem recognitiontransaction experiencefinancing needslending process
Soft Skills
leadershipmentoringcommunicationorganizational skillslearning agilitydecision-makingteam motivationtransparencyproblem resolutionclient solutions
Certifications
Senior Credit Officer credentialsformal credit training