CrawlJobs Logo

Financial Institutions Credit Underwriter – Officer

India, Mumbai · Job Posted May 04, 2026
Apply Position
Job Link Share

Job Description

Whether you’re at the start of your career or looking to discover your next adventure, your story begins here.  At Citi, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks.  We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning.  You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism. Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi’s institutional clients. ICM’s objective is to provide integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise. Within ICM, the Credit Underwriting function (“ICM UW” or “UW”) provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking, Services, and Markets relationships. ICM Credit Risk Analysts are responsible for a portfolio of relationships across South Asia FICC, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of annual reviews, quarterly reviews, and the support of ad-hoc transactions and portfolio & industry reviews and stress testing, in partnership with Front Office business and Risk.  This role reports to Credit Group Manager / Staffer.

Job Responsibility

  • Executes, aligned with global and regional strategies, all responsibilities regarding underwriting, including, but not limited to: 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
  • Drafting of Credit Approval Memo (CAM) packages including but not limited to ensuring they are complete and accurate
  • Conducting initial financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis
  • Support relationships with key stakeholders in Banking and Risk and with key Regulators, Internal Audit, and control functions
  • Support ICM Underwriting organization on strategic initiatives /projects as required

Requirements

  • 3-6 years relevant experience
  • Experience in effectively engaging with various functions
  • Demonstrates strong ethics and integrity
  • Ability to understand the 'big picture' in a complex environment
  • Strong verbal & written communication skills
  • Active listening skills
  • Demonstrated influencing and negotiating ability, resolve conflicts amongst various constituencies
  • Proficient presentation skills – adept at presenting effectively to audiences of various sizes and various constituencies
  • Bachelor’s/University degree or equivalent experience

Looking for more opportunities?

Search for other job offers that match your skills and interests.

Similar Jobs for

Financial Institutions Credit Underwriter – Officer

8 matching positions

Credit Officer (Underwriter) - Assistant Vice President

Whether you’re at the start of your career or looking to discover your next adve...
Location
Location
Taiwan , Taipei
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 5-8 years of extensive experience working in a financial institution, additional experience in commercial credit analysis and underwriting role
  • Proven analytical skills including the ability to understand and assess individual and company financial statements, cash flow, industry and competitive analysis and projections Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
  • Excellent organizational skills, attention to detail, and the ability to complete assignments in a timely manner
  • Exercises effective written and verbal communication skills, problem recognition and resolution skills, and ability to work autonomously and within a team
  • Proficient in various spreadsheet and word processing applications (Excel and Word are preferred), including the use of graphs and charts
  • Bachelor’s/University degree or equivalent experience
Job Responsibility
Job Responsibility
  • Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures / credit risk policy guidelines and standards
  • Prepare a detailed written credit analysis and summary of commercial applicants requesting credit by analyzing the business, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision
  • Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information
  • Perform financial statement analysis in order to assess repayment capacity and determine the proper classifications
  • 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, to ensure business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors
  • Aids business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels
  • Work with management team on prioritization and implementation of approved actions
  • Other duties as required to assist business unit and company goals
  • Fulltime
Read More
Arrow Right
New

Institutional Credit Management - Underwriter - Officer

Institutional Credit Management (ICM) is a first line of defense function (1LOD)...
Location
Location
India , Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Minimum 3 -6 years of experience
  • A strong foundation in financial analysis, including basic knowledge in interpreting financial statements and identifying key risk indicators
  • Foundational understanding of financial modeling and valuation techniques
  • Foundational understanding of standard product documentation (ISDAs, credit/facility agreements, amongst others)
  • Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint)
  • Bachelor’s/University degree or equivalent experience
  • MBA or CFA or CA preferred
Job Responsibility
Job Responsibility
  • Maintain coverage of a low-to-medium complexity portfolio of obligors and author timely and thorough Annual and Quarterly review memos
  • Author low complexity Transaction memos
  • Build projection models
  • Monitor client portfolio by reading industry reports, analyzing financial filings, news, rating agencies’ reports
  • Ensure consistence and accuracy on financial spreads and ratios throughout all monitoring memos
  • Build projection models under the close guidance of an Underwriter
  • Prepare accurate supporting documentation for internal credit ratings and classifications, utilizing appropriate internal models and analytical guidance
  • Keep written commentary concise and focused throughout all monitoring memos
  • Submit workflows in a timely manner and follow up with Risk or Underwriters for approval promptly
  • Develop and demonstrate basic understanding of internal policies and procedures
  • Fulltime
Read More
Arrow Right

Institutional Credit Management - Underwriter - Officer

Institutional Credit Management (ICM) is a first line of defense function (1LOD)...
Location
Location
India , Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Minimum 3 -6 years of experience
  • A strong foundation in financial analysis, including basic knowledge in interpreting financial statements and identifying key risk indicators
  • Foundational understanding of financial modeling and valuation techniques
  • Foundational understanding of standard product documentation (ISDAs, credit/facility agreements, amongst others)
  • Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint)
  • Bachelor's/University degree or equivalent experience
Job Responsibility
Job Responsibility
  • Maintain coverage of a low-to-medium complexity portfolio of obligors and author timely and thorough Annual and Quarterly review memos
  • Author low complexity Transaction memos
  • Build projection models
  • Monitor client portfolio by reading industry reports, analyzing financial filings, news, rating agencies' reports
  • Ensure consistence and accuracy on financial spreads and ratios throughout all monitoring memos
  • Build projection models under the close guidance of an Underwriter
  • Prepare accurate supporting documentation for internal credit ratings and classifications, utilizing appropriate internal models and analytical guidance
  • Keep written commentary concise and focused throughout all monitoring memos
  • Submit workflows in a timely manner and follow up with Risk or Underwriters for approval promptly
  • Develop and demonstrate basic understanding of internal policies and procedures
  • Fulltime
Read More
Arrow Right

Institutional Credit Management - Underwriter - Officer

Institutional Credit Management (ICM) is a first line of defense function (1LOD)...
Location
Location
India , Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Minimum 3 -6 years of experience
  • A strong foundation in financial analysis, including basic knowledge in interpreting financial statements and identifying key risk indicators
  • Foundational understanding of financial modeling and valuation techniques
  • Foundational understanding of standard product documentation (ISDAs, credit/facility agreements, amongst others)
  • Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint)
  • Bachelor’s/University degree or equivalent experience
  • MBA or CFA or CA preferred
Job Responsibility
Job Responsibility
  • Maintain coverage of a low-to-medium complexity portfolio of obligors and author timely and thorough Annual and Quarterly review memos
  • Author low complexity Transaction memos
  • Build projection models
  • Monitor client portfolio by reading industry reports, analyzing financial filings, news, rating agencies’ reports
  • Ensure consistence and accuracy on financial spreads and ratios throughout all monitoring memos
  • Build projection models under the close guidance of an Underwriter
  • Prepare accurate supporting documentation for internal credit ratings and classifications, utilizing appropriate internal models and analytical guidance
  • Keep written commentary concise and focused throughout all monitoring memos
  • Submit workflows in a timely manner and follow up with Risk or Underwriters for approval promptly
  • Develop and demonstrate basic understanding of internal policies and procedures
  • Fulltime
Read More
Arrow Right

Institutional Credit Management - Underwriter - Officer

Institutional Credit Management (ICM) is a first line of defense function (1LOD)...
Location
Location
India , Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 1-3 years of relevant experience
  • A strong foundation in financial analysis, including basic knowledge in interpreting financial statements and identifying key risk indicators
  • Foundational understanding of financial modeling and valuation techniques
  • Foundational understanding of standard product documentation (ISDAs, credit/facility agreements, amongst others)
  • Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint)
  • Bachelor's/University degree or equivalent experience
  • MBA or CFA or CA preferred
Job Responsibility
Job Responsibility
  • Maintain coverage of a low-to-medium complexity portfolio of obligors and author timely and thorough Annual and Quarterly review memos
  • Author low complexity Transaction memos
  • Build projection models
  • Monitor client portfolio by reading industry reports, analyzing financial filings, news, rating agencies’ reports
  • Ensure consistence and accuracy on financial spreads and ratios throughout all monitoring memos
  • Build projection models under the close guidance of an Underwriter
  • Prepare accurate supporting documentation for internal credit ratings and classifications, utilizing appropriate internal models and analytical guidance
  • Keep written commentary concise and focused throughout all monitoring memos
  • Submit workflows in a timely manner and follow up with Risk or Underwriters for approval promptly
  • Develop and demonstrate basic understanding of internal policies and procedures
  • Fulltime
Read More
Arrow Right

Institutional Credit Management - Underwriter - Officer

Institutional Credit Management (ICM) is a first line of defense function (1LOD)...
Location
Location
India , Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Bachelor’s/University degree, Master’s degree preferred
  • 1-3 years of relevant experience
  • A strong foundation in financial analysis, including basic knowledge in interpreting financial statements and identifying key risk indicators
  • Foundational understanding of financial modeling and valuation techniques
  • Foundational understanding of standard product documentation (ISDAs, credit/facility agreements, amongst others)
  • Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint)
Job Responsibility
Job Responsibility
  • Maintain coverage of a low-to-medium complexity portfolio of obligors and author timely and thorough Annual and Quarterly review memos
  • Author low complexity Transaction memos
  • Build projection models
  • Monitor client portfolio by reading industry reports, analyzing financial filings, news, rating agencies’ reports
  • Ensure consistence and accuracy on financial spreads and ratios throughout all monitoring memos
  • Build projection models under the close guidance of an Underwriter
  • Prepare accurate supporting documentation for internal credit ratings and classifications, utilizing appropriate internal models and analytical guidance
  • Keep written commentary concise and focused throughout all monitoring memos
  • Submit workflows in a timely manner and follow up with Risk or Underwriters for approval promptly
  • Develop and demonstrate basic understanding of internal policies and procedures
  • Fulltime
Read More
Arrow Right

Institutional Credit Management Underwriter Officer

Institutional Credit Management (ICM) is a first line of defense function (1LOD)...
Location
Location
India , Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Bachelor’s/University degree, Master’s degree preferred
  • Minimum 3 -6 years of experience
  • A strong foundation in financial analysis, including basic knowledge in interpreting financial statements and identifying key risk indicators
  • Foundational understanding of financial modeling and valuation techniques
  • Foundational understanding of standard product documentation (ISDAs, credit/facility agreements, amongst others)
  • Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint)
  • Commitment to professional development and continuous learning
  • Ability to complete the basic transactions independently and low-medium complexity transactions under the guidance of underwriters
  • Ability to interpret and apply internal credit policies and procedures
  • Adherence to the highest ethical standards and a commitment to Citi's core values
Job Responsibility
Job Responsibility
  • Maintain coverage of a low-to-medium complexity portfolio of obligors and author timely and thorough Annual and Quarterly review memos
  • Author low complexity Transaction memos
  • Build projection models
  • Monitor client portfolio by reading industry reports, analyzing financial filings, news, rating agencies’ reports
  • Ensure consistence and accuracy on financial spreads and ratios throughout all monitoring memos
  • Build projection models under the close guidance of an Underwriter
  • Prepare accurate supporting documentation for internal credit ratings and classifications, utilizing appropriate internal models and analytical guidance
  • Keep written commentary concise and focused throughout all monitoring memos
  • Submit workflows in a timely manner and follow up with Risk or Underwriters for approval promptly
  • Develop and demonstrate basic understanding of internal policies and procedures
  • Fulltime
Read More
Arrow Right

Credit Risk Analyst - Financial Institutions

The Credit Senior Analyst is a developing professional role. Deals with most pro...
Location
Location
Colombia , Bogotá
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Strong English communication skills required (verbal and written)
  • 2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software
  • extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, financial regulations, financial products, and credit analysis
  • Bachelor’s/University degree or equivalent experience
Job Responsibility
Job Responsibility
  • Spread new, renewal, interim financial statements and business/individual tax returns in accordance with bank guidelines (focus on more complex financial statements (i.e. Not-For-Profit))
  • Provide succinct analysis based on customers, peers, the portfolio, and the industry
  • Provide preliminary analysis of simple to complex credits, including calculation of cash flow, debt service coverage, collateral coverage, and guarantor net worth
  • Coordinate with the Credit Officers, Credit Analysts, Other Credit Center Staff and Relationship Managers
  • Act in an advisory role for the Credit Officers/Relationship Managers on loan agreement/covenants clarification and monitoring
  • Complete quality assurance reviews to ensure application packages and analysis are thorough and accurate prior to forwarding for underwriting
  • Provide leadership, training, and coaching to Credit Analyst I positions and back up support to the Application Preparation Team Manager
  • May act as an industry specialist with responsibility for SBA/EXIM loan analysis
  • 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
Read More
Arrow Right