Commercial Real Estate Underwriter Job at Citi (Mumbai)

Commercial Real Estate Underwriter

Citi

Location:
India , Mumbai

Category:
Finance

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

The Assistant Vice President will hold a critical role within the Structured Credit and Real Estate Underwriting (SCREU) team administering a multi-billion dollar portfolio of asset securitization transactions primarily across the ABS and CLO asset classes (including auto, credit card, unsecured consumer loans, middle market, private credit and broadly syndicated loans). The analyst will support monitoring and underwriting process in conventional and affordable housing as well as related real estate sectors such as covering REITS/REOC, casino/gaming, and homebuilders.

Job Responsibility:

Work proactively with the Underwriting team to ensure timely information flow/ communications among all internal stakeholders
Monitor the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers with the aim of identifying and mitigating credit risks
Assist with classification and risk rating processes, decisions and monitoring
Review servicer reports for accuracy, investigate unusual data trends, identify deteriorating asset performance, and keep abreast of industry and market trends and customer-specific events
Prepare annual credit approval and quarterly memos in a timely manner
Model transactions for risk rating and stress testing purposes
Assist with special projects including stress testing, portfolio concentration analysis, internal audit & reviews, risk rating processes, Credit Policies and Credit Programs across product groups
Assist in reporting of Basel securitization parameters
Maintain organized credit files for credit, regulatory, and compliance purposes and ensuring compliance with WCR policies and processes
Review and analyze historical and pro forma financial statements of real estate properties to ascertain revenue trends, expense structures, and Net Operating Income (NOI)
Examine the financial statements of borrowers and sponsors to assess their financial health

Requirements:

6+ years of credit, portfolio management or structuring experience in a financial institution, rating agency, financial guarantor, or asset management firm
real estate or structured credit/securitization experience is a plus
A strong interest in real estate/structured products and credit analysis
Strong Microsoft Office skills
Modelling experience is a plus
Strong attention to detail
Oral and written communications skills enabling him or her to effectively interact with internal and external constituents of all levels
Team player with strong work ethic who also works well with others at all levels
Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
The ability to work independently to meet tight deadlines and initiate ideas with other members of the SCREU team and Independent Risk to mitigate risk
Bachelor's degree/University degree or equivalent experience
Master’s degree a plus

Nice to have:

real estate or structured credit/securitization experience
Modelling experience
Master’s degree

Additional Information:

Job Posted:
December 28, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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