Institutional Credit Management (ICM) is a first line of defense function (1LOD) that houses and consistently manages credit risk activities performed for Citi’s institutional clients. Within ICM, the Credit Underwriting function provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and the subsequent credit monitoring across all institutional business including Banking, Services, and Markets relationships.

Citi is seeking a highly qualified and motivated individual to join the ICM team as a Senior Underwriting Analyst (VP). The Senior Underwriting Analyst (VP) will be responsible for the comprehensive assessment and management of credit risk associated with Citi's Large Corporates portfolio. This role offers a unique opportunity to contribute to the prudent management of risk within a critical segment of the global economy.

Key Responsibilities:­ Independently perform assigned responsibilities with limited supervision
­ Maintain coverage of a complex portfolio of obligors
­ Independent, timely completion of monitoring memos in assigned portfolio with minimal Underwriter comments
­ Author and/or support complex and time sensitive transaction memos, as required
­ Accurately and concisely analyze complex credits including criticized credits
­ Effectively lead/defend recommendations during Risk discussions. This includes defending projection model assumptions
­ Exhibit strong understanding of internal policies and procedures and keep up to date with any changes
­ Ensure timely completion of remediations identified during the internal testing process
­ Depending on experience, reviews and engages in discussions on credit terms of loans, derivatives, or other trading documents
­ Ensure compliance with key KPIs
­ Timely completion of all mandatory compliance / analytical trainings
­ Provide guidance and mentorship to Officers and AVPs on analytical matters
­ Assist in training for new joiners and recommend trainings around new procedures, improvement areas as needed

Key Competencies:
­ Demonstrated commitment to professional development and continuous learning
­ Ability to provide guidance and oversight to Analysts and Associates across portfolio monitoring requirements, financial modelling, and adherence to Policy & Procedure
­ Ability to build and maintain a network of internal resources and subject matter experts (across product, legal, operations, risk, and other relevant stakeholders) as needed
­ Ability to interpret and apply internal credit policies and procedures
­ Adherence to the highest ethical standards and a commitment to Citi's core values
­ Excellent verbal & written communication skills. Active listening skills
­ Excellent interpersonal and relationship-building skills with the ability to build relationships and exert influence with and without direct authority. Willingness to work under pressure and manage time and priorities effectively with little to no supervision.

Qualifications/Knowledge/Experience:
­ Minimum 6 years of experience, specifically in credit-related roles within Banking, Credit Risk Management, or a comparable field
­ Credit Officer (CO) or demonstrating the skills aligned with that designation
­ Strong skills in financial analysis, including proficiency in interpreting financial statements and identifying key risk indicators
­ Proficient knowledge of product documentation and ability to negotiate terms
­ Proficient in modeling techniques with a deep understanding of modeling principles
­ Proven ability to identify and escalate potential risk issues in a timely manner
­ Excellent written and verbal communication skills
­ Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint)
­ Bachelor’s/University degree, Master’s degree preferred

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.

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