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ICM Senior Underwriting Analyst - Vice President

India, Mumbai · Job Posted March 05, 2026
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Job Description

Institutional Credit Management (ICM) is a first line of defense function (1LOD) that houses and consistently manages credit risk activities performed for Citi’s institutional clients. Within ICM, the Credit Underwriting function provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and the subsequent credit monitoring across all institutional business including Banking, Services, and Markets relationships. Citi is seeking a highly qualified and motivated individual to join the ICM team as a Senior Underwriting Analyst (VP). The Senior Underwriting Analyst (VP) will be responsible for the comprehensive assessment and management of credit risk associated with Citi's Large Corporates portfolio. This role offers a unique opportunity to contribute to the prudent management of risk within a critical segment of the global economy.

Job Responsibility

  • Independently perform assigned responsibilities with limited supervision
  • Maintain coverage of a complex portfolio of obligors
  • Independent, timely completion of monitoring memos in assigned portfolio with minimal Underwriter comments
  • Author and/or support complex and time sensitive transaction memos, as required
  • Accurately and concisely analyze complex credits including criticized credits
  • Effectively lead/defend recommendations during Risk discussions. This includes defending projection model assumptions
  • Exhibit strong understanding of internal policies and procedures and keep up to date with any changes
  • Ensure timely completion of remediations identified during the internal testing process
  • [Depending on experience, reviews and engages in discussions on credit terms of loans, derivatives, or other trading documents]
  • Ensure compliance with key KPIs
  • Timely completion of all mandatory compliance / analytical trainings
  • Provide guidance and mentorship to Officers and AVPs on analytical matters
  • Assist in training for new joiners and recommend trainings around new procedures, improvement areas as needed

Requirements

  • Minimum 6 years of experience, specifically in credit-related roles within Banking, Credit Risk Management, or a comparable field
  • Credit Officer (CO) or demonstrating the skills aligned with that designation
  • Strong skills in financial analysis, including proficiency in interpreting financial statements and identifying key risk indicators
  • Proficient knowledge of product documentation and ability to negotiate terms
  • Proficient in modeling techniques with a deep understanding of modeling principles
  • Proven ability to identify and escalate potential risk issues in a timely manner
  • Excellent written and verbal communication skills
  • Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint)
  • Bachelor’s/University degree, Master’s degree preferred
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