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Commercial Bank Underwriter

https://www.citi.com/ Logo

Citi

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Location:
India , Mumbai

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Category:
Banking

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Contract Type:
Not provided

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Salary:

Not provided
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Job Description:

Commercial Bank Underwriter role covering mainly the North Asia Market and is part of the Commercial Lending Management Unit that falls under the Institutional Credit Management (ICM) umbrella. ICM is an in-business, first line of defense (1LoD) function within Citi, dedicated to end-to-end wholesale credit risk (WCR) management.

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 borrowers requesting credit by analyzing the business, interpreting the financing 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/corporate 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 the Commercial Bank 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:

  • 5-8 years' 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
  • Interpersonal, organizational and analytic skills
  • Bachelor's/University degree or equivalent experience

Additional Information:

Job Posted:
November 26, 2025

Employment Type:
Fulltime
Work Type:
On-site work
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