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Credit Underwriting – Real Money Funds Portfolio – Officer

India, Mumbai · Job Posted February 01, 2026
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Job Description

The Credit Risk Intmd Analyst is a developing professional role. Deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.

Job Responsibility

  • Preparing credit appraisal memos for investment advisors, pension schemes and asset managers (in Real Money Funds portfolio)
  • Provides analysis of a business' financial trends, indicators and other client data for presentation to the Underwriting Manager
  • Manages the risk associated with new and existing borrowing relationships
  • Performs spreads of client business financial statements
  • Recognizes potential client risk through early warning systems
  • Performs periodic financial statement review
  • Tracks established financial covenants
  • Monitors compliance to borrowing base credit facility
  • Compliance with Citibank policies to ensure 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

  • 3-6 years previous experience in a financial institution/rating agency with a focus on credit analysis and spreading software
  • MBA/CA/CFA or equivalent
  • Analyze program results vs expectations / Develop Strategies and Criteria / Gather data and prepare data for analysis

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