Corporate Credit Underwriting Officer Job at Citi (Mumbai)

Corporate Credit Underwriting - Officer

The Credit Portfolio Analyst II is an intermediate-level position responsible fo...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2-4 years of experience in credit risk analysis or corporate banking
Experience in financial analysis, accounting and valuation
Knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution
Consistently demonstrate clear and concise written and verbal communication
Proven ability to work with little direction and in a team
Demonstrated accountability, self-motivation and business acumen
Bachelor's degree/University degree or equivalent experience

Job Responsibility

Conduct risk assessments and client credit analyses, review financial results and peer analyses and prepare financial projections
Prepare green-light and transaction approval memos, conduct due diligence, build cash flow models and conduct sensitivity analyses
Escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action to be taken by staying continuously informed of related developments/news for the portfolio and industry covered and understanding the credit process, policies and Citi's risk appetite
Assist with portfolio review preparation and conducting stress tests
Build working relationships with various teams across the bank, including deal, coverage and product teams
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.

Fulltime

Asean corporate credit underwriting cluster head / icm head of philippines

The ASEAN Corporate Credit Underwriting Cluster Head and ICM Head of Philippines...

Location

Philippines , City of Taguig, Metro Manila

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

15+ years of experience with at least 10 years of relevant experience
Experience in risk/risk-related credit work experience in banking/financial institutions
Senior Credit Officer designation (or similar designation) or higher is required
Prior experience in 1st line of defense would be preferred
Proven ability to effectively engage with regulators and internal control functions including Internal Audit and Credit Risk and Review as well as with external audit
Demonstrates strong ethics and integrity
Ability to see the ‘big picture’ in a complex environment
Can make decisions under pressure and short timeline
Excellent verbal & written communication skills. Active listening skills.
Demonstrated influencing and negotiating ability, resolve conflicts amongst various constituencies

Job Responsibility

Provide first line of defense credit approval for the most complex transactions
Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions to development of credit approval memos, and senior approval forums
Supports function’s close engagement with global and Regional Business Heads, Independent Risk, regulators, and other control functions
Facilitate relationships with key clients in Banking and Risk and with key Regulators, Internal Audit, and control functions
Representing ICM in the Country Coordination Committee.
Co-ordinating with regional and global seniors of the various ICM verticals to ensure the franchise in Philippines delivers best-in-class wholesale credit management capabilities.
Manage large, diverse, and high performing team
Support the functional and matrix managers on their strategic initiatives/projects
Support VOE initiatives

What we offer

Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more.
Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses.
We offer our employees resources and tools to volunteer in the communities in which they live and work.

Fulltime

Corporate Credit Underwriting - Assistant Vice President

The Credit Officer is a seasoned professional role. Applies in-depth disciplinar...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Demonstratable financial services experience, including 6-10 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
Strong knowledge of Wholesale Credit Processes and organizational awareness including UW functions, covered portfolios, and processes
Sound understanding of policies and procedures with the ability to execute change seamlessly
Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks
Solid and thorough knowledge of Citi´s systems
Experience in preparing presentations for seniors
Full awareness and adherence to the control environment including Quality Assurance and Quality Control
Assists colleagues in identifying stretch opportunities to elevate individual and team performance
Coach and mentor analysts to develop team strengths and improve weaknesses
Proven culture carrier

Job Responsibility

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
Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues
Reviewing and providing recommendation on the risk raking across this sector
Partnership with applicable regional and industry stakeholders in BCMA and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
Support Voice of the Employee (VOE) initiatives
Travel (less than 10%)

Fulltime

Corporate Credit Underwriter – Leveraged Finance – Officer

The Global Leveraged Finance Underwriting Credit Team within Institutional Credi...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

3-6 years of credit analysis, origination, or relevant credit experience
Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks)
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
Advanced knowledge of Microsoft Word, Excel, and PowerPoint
Three statements financial modeling experience
Ability to take on demanding responsibilities and work independently, while juggling multiple tasks at one time effectively manage deadlines and juggle multiple tasks at once
Awareness and adherence to the control environment including Quality Assurance and Quality Control
MBA or CFA or CA

Job Responsibility

Assess the credit and financial strength of Citi’s most complex Large Corporate Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
Monitor the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Leveraged Finance Underwriting Underwriters, Risk and Banking, Capital Markets & Advisory partners
Evaluate and gain a strong understanding of clients' business model, financial performance, and key credit drivers across various industries, through both due diligence process as part of transactions and ongoing credit monitoring responsibilities
Assess the borrower’s cash flow profile by building projection models used in assigning a regulatory rating and driving decision on the extension of credit to highly levered obligors
Provide analytical support across Leveraged Finance Underwriting's core functions: (1) Leveraged Lending transaction origination and credit approval
(2) portfolio management and early problem recognition
(3) global leveraged lending related projects and strategic initiatives
The Senior Analyst will be responsible for writing Annual Reviews and Quarterly Reviews of the assigned portfolio

Fulltime

Corporate Credit Underwriter – Leveraged Finance – Officer

The Global Leveraged Finance Underwriting Credit Team within Institutional Credi...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

3-6 years of credit analysis, origination, or relevant credit experience
Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks)
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
Advanced knowledge of Microsoft Word, Excel, and PowerPoint
Three statements financial modeling experience
Ability to take on demanding responsibilities and work independently, while juggling multiple tasks at one time effectively manage deadlines and juggle multiple tasks at once
Awareness and adherence to the control environment including Quality Assurance and Quality Control
MBA or CFA or CA

Job Responsibility

Assess the credit and financial strength of Citi’s most complex Large Corporate Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
Monitor the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Leveraged Finance Underwriting Underwriters, Risk and Banking, Capital Markets & Advisory partners
Evaluate and gain a strong understanding of clients' business model, financial performance, and key credit drivers across various industries, through both due diligence process as part of transactions and ongoing credit monitoring responsibilities
Assess the borrower’s cash flow profile by building projection models used in assigning a regulatory rating and driving decision on the extension of credit to highly levered obligors
Provide analytical support across Leveraged Finance Underwriting's core functions: (1) Leveraged Lending transaction origination and credit approval
(2) portfolio management and early problem recognition
(3) global leveraged lending related projects and strategic initiatives
The Senior Analyst will be responsible for writing Annual Reviews and Quarterly Reviews of the assigned portfolio

Fulltime

Credit Officer

Citi is looking for a Credit Officer to play a pivotal role in shaping sound cre...

Location

Argentina , Buenos Aires

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

5–6 years of credit underwriting or credit authority experience within a financial institution, with a background in risk management
Demonstrated experience managing or leading a team of associates, with the ability to guide performance, develop talent, and foster collaboration across a group
Fluency in both English and Spanish (bilingual proficiency is required)
applications and resumes must be submitted in English
Demonstrated ability to analyze individual and corporate financial statements, cash flow models, tax returns, and complex organizational structures — including entities with international operations
Solid grounding in accounting principles and their practical application in the credit underwriting process
Prior experience operating in a regulatory or compliance-driven environment, with a clear understanding of risk management frameworks
Proven ability to manage competing priorities, meet deadlines under pressure, and maintain a high standard of accuracy and attention to detail
Effective communicator with strong interpersonal skills, capable of influencing and guiding colleagues across functions and seniority levels
Proficiency in Microsoft Excel and Word, including financial modeling, graphs, and analytical tools

Job Responsibility

Lead, mentor, and develop a team of 6 to 8 Credit Analysts, providing guidance, supporting performance, and fostering a high-quality underwriting culture
Assess and underwrite commercial credit requests for new and existing clients, taking ownership of credit decisions that comply with risk policy standards and internal guidelines
Prepare comprehensive written credit summaries that analyze business viability, identify key risk factors and strengths, and render well-supported final credit recommendations
Conduct detailed financial analysis — including trend analysis, ratio analysis, and cash flow evaluation — on companies, individuals, guarantors, and co-borrowers to determine repayment capacity
Perform industry research, geographical due diligence, and review of complex business structures, including entities with foreign subsidiaries or parent organizations
Ensure ongoing compliance with Citi credit policies and regulatory requirements, supporting satisfactory outcomes in internal and external audits
Identify and drive process improvements across the credit underwriting function to enhance efficiency and improve client service outcomes

What we offer

A hybrid working model — 3 days in the office and 2 days working remotely — giving you flexibility while keeping you connected to your team
People leadership responsibility from day one, with a team of 6 to 8 direct reports to guide, develop, and inspire
Access to Citi's global network, with opportunities to collaborate across business lines and geographies
Continuous learning and development support, including access to training programs and career advancement pathways within Citi's broad financial services ecosystem
Comprehensive wellbeing support, including financial wellbeing resources, health benefits, and family support programs
A workplace that values inclusion, diverse perspectives, and meaningful work — where your contributions are recognized and your growth is supported

Fulltime

Underwriting Credit Analyst (French Speaking)

Underwriting Credit Analyst is responsible for owning the Credit Risk Analysis f...

Location

Kenya , Nairobi

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Demonstrable financial services experience, including 0-3 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
Ability to understand Citi policies and procedures with the ability to execute change seamlessly
Intermediate analytical skills, including an understanding of key financial components like liquidity position, leverage profile with the ability to identify root causes and trends and anticipate horizon issues
Assists colleagues in identifying stretch opportunities to elevate individual and team performance
Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority
Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
Microsoft Office (Word, Excel, and PowerPoint) skills
French – Read, Write and Speak
English – Read, Write and Speak

Job Responsibility

Assess the credit and financial strength of Citi’s Corporate Clients based in Sub Saharan Africa by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
Complete Credit Analysis Write-up Memos and assign internal ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Senior Underwriters, Risk and Banking partners
Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios

Fulltime

Wholesale Credit Underwriting - Assistant Vice President

ICG Risk Analysis (IRAUs) is an integral part of the Institutional Credit Manage...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Demonstratable financial services experience, including 6-10 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
Strong knowledge of Wholesale Credit Processes and organizational awareness including IRAU functions, covered portfolios, and processes
Sound understanding of policies and procedures with the ability to execute change seamlessly
Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks
Solid and thorough knowledge of Citi´s systems
Experience in preparing presentations for seniors
Full awareness and adherence to the control environment including Quality Assurance and Quality Control
Assists colleagues in identifying stretch opportunities to elevate individual and team performance
Coach and mentor analysts to develop team strengths and improve weaknesses
Proven culture carrier

Job Responsibility

Assess the credit and financial strength of Citi’s most complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICG Risk and BCMA partners
Reviewing and providing recommendation on the risk raking across this sector
Partnership with applicable regional and industry stakeholders in BCMA and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
Support ICG Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)

Fulltime

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Corporate Credit Underwriting Officer

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Corporate Credit Underwriting Officer

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