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
Institutional Credit Management (ICM), provide s integrated "end-to-end" credit underwriting, identification, measurement, management, and monitoring for wholesale credit risk across the enterprise. Within ICM, the Credit Underwriting function (ICM-UW) provides analysis, underwriting, first-line-of-defense credit approval and subsequent credit monitoring .

The Underwriter is a seasoned professional role.

• Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and workflow for the area or function.

• Integrates subject matter and industry expertise within a defined area.

• Requires in -depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business.

• Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information.

• Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources.

• Strong communication and diplomacy skills are required .

• Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization.

• Work and performance of all teams in the area are directly affected by the performance of the individual.
  
  Responsibilities:

• Ensures Credit Approval Memo (CAM) packages are complete, accurate and thoroughly documented

• Support Senior Underwriters in making recommendations/credit decisions, including risk ratings and regulatory classifications

• Conducts i n-depth analyses of financial data and other information provided by the client

• Conducts projection modeling, stress testing and other analyses using research and evaluations from a wide variety of sources

• Assesses deal strengths and weaknesses and risk factors

• Ensures all transactions are in compliance with regulatory and Citi guidelines, policies and procedures

• Remains current on all aspects of the credit relationship, including exposure, compliance, and potential credit concerns

• Oversees periodic relationship credit monitoring including Annual Reviews (ARs), Quarterly Reviews (QRs), and Criticized Credit Reviews (CCRs)

• Notifies bankers of any deterioration in operating performance based on financial reporting

• Supports the Senior Underwriter and Underwriter during internal reviews ( BIC R, COBRA, IA) and external regulatory exam responses

• Expected to be fully conversant on safe and sound risk practices within Real Estate Credit including all policies, procedures, laws, regulations and risk limits specific to their Portfolio

• Qualifications:

• Relevant experience in underwriting

• Previous experience working directly in Commercial Real Estate underwriting or credit preferably in the financial services industry

• Ability to apply credit and risk principles toward business goals

• Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency

• Must be highly organized and able to work in a fast-paced environment managing multiple projects and possess effective interpersonal, organizational and analytic skills

• Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively with little to no supervision

• Highly effective written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority

Education:

• Bachelor's/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required .

------------------------------------------------------
Job Family Group:
Risk Management ------------------------------------------------------
Job Family:
Credit Risk ------------------------------------------------------
Time Type:
Full time ------------------------------------------------------
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.------------------------------------------------------
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------
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.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi .

View Citi's EEO Policy Statement and the Know Your Rights poster.