Director, Real Estate Credit & Underwriting

Director, Real Estate Credit & Underwriting Citi

• 3.9 Irving, TX Job Details Full-time $200,000
• $300,000 a year 15 hours ago Benefits Paid holidays Disability insurance Health insurance Dental insurance 401(k) Paid time off Vision insurance Life insurance Qualifications Team leadership Project stakeholder communication Stakeholder relationship building Stakeholder management Full Job Description Discover your future at Citi Working at Citi is far more than just a job.

A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you'll have the opportunity to grow your career, give back to your community and make a real impact. Job Overview Citi is seeking a Director, Real Estate Credit & Underwriter to lead underwriting, execution, and capital markets structuring across a diverse portfolio of commercial real estate transactions. This role sits at the intersection of credit, banking, and capital markets, partnering closely with Investment Banking, Capital Markets, and external investors. The position plays a key role in financing new construction, acquisitions, and preservation of affordable and workforce housing, as well as a broad range of commercial property types including multifamily, industrial, retail, office, hospitality, and self‑storage. This is a senior leadership role offering meaningful influence over underwriting standards, deal execution, and investor engagement, with strong exposure to both originations and securitization markets. Role Overview The Director, Underwriter is responsible for leading the end‑to‑end underwriting lifecycle, including credit analysis, structuring, approval, closing, and securitization of real estate loans. The role also provides leadership across transactions, stakeholder coordination, and market analysis, ensuring strong credit discipline and successful execution. Key Responsibilities Credit Underwriting & Deal Execution Lead underwriting for construction, bridge, and permanent real estate loans, including complex transactions Evaluate financial feasibility, credit quality, and market positioning of each deal Prepare and present credit approval materials for internal committees and external stakeholders Capital Markets & Securitization Support the sale and securitization of loans, including preparation of materials for rating agencies and bond investors Ensure compliance with investor requirements and capital markets execution standards Portfolio & Market Insight Analyze local and national real estate markets to inform credit decisions Identify trends and emerging risks across asset classes and geographies Provide strategic insights to senior stakeholders and deal teams Stakeholder & Client Leadership Act as a key point of contact across Investment Banking, Capital Markets, Legal, and external partners Manage relationships with sponsors, clients, and investors throughout the deal lifecycle Lead cross‑functional coordination to move transactions efficiently from underwriting to closing Leadership & Governance Provide guidance and oversight across underwriting processes and team outputs Ensure adherence to Citi's credit policies, regulatory requirements, and risk standards Contribute to strategic initiatives and process enhancements across the platform Qualifications & Experience 15+ years of experience in commercial real estate lending, underwriting, or credit, including 8-10+ years ' managerial experience Significant experience across multiple asset classes (multifamily, industrial, office, etc.) Strong understanding of real estate credit metrics (NOI, DSCR, Cap Rates, LTV, etc.) Experience structuring and underwriting complex transactions Strong communication and stakeholder management skills Experience with CMBS, securitization, or capital markets execution Familiarity with rating agency processes Advanced degree preferred (MBA or similar)

• Job Family Group:

  Risk Management

• Job Family:

  Credit Risk

• Time Type:

  Full time

• Primary Location:

  Irving Texas 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:

  Jun 23, 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.