Director, In-Business Credit – Industrials & Services

Citi

. Own approval oversight for a material level of credit exposure across Industrials & Services clients .

Posted 5/5/2026full-timeNew York City • Illinois, New York • 🇺🇸 United StatesLead💰 $200,000 - $300,000 per yearWebsite

About the role

Key responsibilities & impact

Own approval oversight for a material level of credit exposure across Industrials & Services clients
Establish and maintain underwriting standards aligned with Citi’s risk appetite and regulatory expectations
Lead credit structuring, diligence, and approval processes for complex commercial transactions
Direct portfolio monitoring, including annual and quarterly reviews, covenant performance, and risk ratings
Proactively identify emerging sector risks and drive mitigation strategies
Ensure appropriate regulatory classification, loss minimization, and early problem recognition
Serve as a senior credit partner to Coverage, Syndications, Independent Risk, and Product teams
Lead strategic credit discussions and represent the portfolio in internal and external forums
Provide industry insights and credit perspectives to executive management
Lead, develop, and retain a high‑performing credit organization
Mentor senior credit officers and build succession pipelines
Champion development of industry‑specific credit expertise across CCB
Sponsor and lead U.S. and global CLM initiatives, including process and policy evolution
Maintain strong governance and controls as a First Line of Defense leader
Identify and remediate control gaps and drive continuous improvement

Requirements

What you’ll need

15+ years of experience in senior credit decision‑making roles within a large financial institution
Extensive experience underwriting and managing complex commercial credit portfolios
Deep knowledge of Industrials, Services, or diversified commercial sectors
Proven track record leading and developing large credit teams
Ability to exercise independent judgment with significant approval authority
Prior Senior Credit Officer or Director‑level authority
Experience across a broad range of commercial lending products
Advanced degree or formal credit training a plus

Benefits

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit structuringunderwriting standardsportfolio monitoringrisk ratingscovenant performancecredit decision-makingcommercial lending productscredit trainingloss minimizationemerging sector risks

Soft Skills

leadershipmentoringstrategic discussionscommunicationindependent judgmentteam developmentproblem recognitiongovernancecontinuous improvementcollaboration

Certifications

advanced degreeformal credit training