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Commercial Credit Underwriter

https://www.citi.com/ Logo

Citi

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Location:
United States , New York

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Category:
Finance

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Contract Type:
Not provided

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Salary:

129840.00 - 194760.00 USD / Year
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Job Description:

The Underwriter is a strategic professional who stays abreast of developments within own field and contributes to directional strategy by considering their application in own job and the business. Recognized technical authority for an area within the business. Requires basic commercial awareness. There are typically multiple people within the business that provide the same level of subject matter expertise. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Significant impact on the area through complex deliverables. Provides advice and counsel related to the technology or operations of the business. Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.

Job Responsibility:

  • Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients
  • Prepare a detailed written credit summary of commercial applicants requesting credit
  • Perform detailed financial analysis on companies, including trend and ratio analysis
  • Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers
  • Perform industry and geographical research and other due diligence as needed
  • Maintain a solid understanding of Citibank products and services
  • Maintain compliance with Citibank credit policies/practices and regulatory policies
  • Assists business unit goals by continuous identification of process improvements and efficiencies
  • Provide backup support to Credit Underwriting Group Manager, lead projects and initiatives and mentor lower level Credit Officers
  • Other duties as required to support business unit and company goals
  • Appropriately assess risk when business decisions are made

Requirements:

  • 5 years of experience working in a regulatory and compliance policy environment
  • Proven analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry/competitive analysis and projections
  • Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
  • Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
  • Effective inter-personal and written/verbal communication skills
  • Thorough problem recognition and resolution skills
  • Pro-active disposition with ability to work autonomously and within a team
  • Proficient in various spreadsheet and word processing applications (Excel and Word), including the use of graphs and charts and financial analysis software
  • Bachelor’s/University degree, Master’s degree preferred
What we offer:
  • medical, dental & vision coverage
  • 401(k)
  • life, accident, and disability insurance
  • wellness programs
  • paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays
  • discretionary and formulaic incentive and retention awards

Additional Information:

Job Posted:
December 28, 2025

Expiration:
December 29, 2025

Employment Type:
Fulltime
Work Type:
Hybrid work
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