Commercial Bank Senior Underwriter, Citi

Citi

Location:
Philippines, City of Taguig

Category:
Finance

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

This role is part of the Commercial Lending Management Unit under the Institutional Credit Management (ICM) umbrella, dedicated to end-to-end wholesale credit risk management. The Senior Underwriter applies in-depth knowledge to contribute to new techniques and improvements in processes for underwriting commercial credit extensions.

Job Responsibility:

Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards
Prepare a detailed written credit summary of commercial applicants requesting credit by analyzing the business, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision
Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information
Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers in order to assess repayment capacity based on cash flow statements, tax returns, and statements
Perform industry and geographical research and other due diligence as needed
Maintain a solid understanding of Citibank products and services - within Small Business/Commercial Banking and the broader organization
Maintain compliance with Citibank credit policies/practices and regulatory policies, to ensure business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Requirements:

2-5 years relevant experience
Degree in Quantitative Fields such as Economics, Engineering, Operations Research, Business Finance, or Mathematics
Previous experience in credit risk management or equivalent training and experience 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.

What we offer:

Equal opportunity employer
Reasonable accommodations for persons with disabilities
Global benefits for well-being, living well, and saving well.

Additional Information:

Job Posted:
July 26, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Commercial Bank Senior Underwriter