Commercial Real Estate Underwriter

• Ensures Credit Approval Memo (CAM) packages are complete, accurate and thoroughly documented
• Support Senior Underwriters in making recommendations/credit decisions, including risk ratings and regulatory classifications
• Conducts in-depth analyses of financial data and other information provided by the client
• Conducts projection modeling, stress testing and other analyses using research and evaluations from a wide variety of sources
• Assesses deal strengths and weaknesses and risk factors
• Ensures all transactions are in compliance with regulatory and Citi guidelines, policies and procedures
• Remains current on all aspects of the credit relationship, including exposure, compliance, and potential credit concerns
• Oversees periodic relationship credit monitoring including Annual Reviews (ARs), Quarterly Reviews (QRs), and Criticized Credit Reviews (CCRs)
• Notifies bankers of any deterioration in operating performance based on financial reporting
• Supports the Senior Underwriter and Underwriter during internal reviews (BICR, COBRA, IA) and external regulatory exam responses
• Expected to be fully conversant on safe and sound risk practices within Real Estate Credit including all policies, procedures, laws, regulations and risk limits specific to their Portfolio

• 5-8 years relevant experience
• Previous experience working directly in Commercial Real Estate underwriting or credit preferably in the financial services industry
• Previous transaction experience in non-recourse syndicated CRE financing highly preferable
• 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
• Possess effective interpersonal, organizational and analytic skills
• Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively with little to no supervision
• Highly effective written and verbal communication skills
• Proficiency in Chinese (reading and writing) required
• Bachelor's/University degree or equivalent experience

Previous transaction experience in non-recourse syndicated CRE financing