Institutional Credit Management - Underwriter – Assistant Vice President Job at Citi (Mumbai)

Institutional Credit Management - Underwriter - Vice President

Institutional Credit Management (ICM) is a first line of defense function (1LOD)...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

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

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

What we offer

Opportunities to grow your career locally and collaborate with colleagues across Citi's global network
A hybrid working model that balances in-office collaboration with remote flexibility
Investment in your professional development through training programmes, mentorship, and skill-building opportunities
Employee wellbeing support including medical coverage, mental health resources, parental leave, and family support programmes
Competitive retirement contributions and investment options to support your long-term financial goals

Fulltime

Credit Officer (Underwriter) - Assistant Vice President

Whether you’re at the start of your career or looking to discover your next adve...

Location

Taiwan , Taipei

Salary:

Not provided

Citi

Expiration Date

Until further notice

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

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

Corporate Credit Underwriting – Assistant Vice President

Underwriting is an integral part of the Institutional Credit Management (“ICM”) ...

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

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 Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)

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

Credit Risk Senior Analyst - Assistant Vice President

Citi continues to enhance its business control and governance framework by build...

Location

Brazil , São Paulo

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Bachelor’s/University degree or equivalent experience
Financial Services experience including 5-8 years of credit experience in Banking or Credit Risk Management
Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile, etc.)
Advanced knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
Solid understanding of Credit Policy and procedures
Advanced Microsoft Office (Word, Excel, and PowerPoint) skills
Advanced experience with the internal Policies, Standards, Procedures, Templates and with financial modeling
Highly effective interpersonal skills
Solid organizational skills
Exceptional written and verbal communication skills

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
Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR)
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues
Review and provide a recommendation on the risk rating across this sector
Partnership with applicable regional and industry stakeholders in the implementation of credit assessment and monitoring standards
Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)

Fulltime

Commercial Real Estate Underwriter - Citi Community Capital – Assistant Vice President

The Analyst will hold a critical role within the Structured Credit and Real Esta...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

6+ years of credit, portfolio management or structuring experience in a financial institution, rating agency, financial guarantor, or asset management firm
real estate or structured credit/securitization experience is a plus
A strong interest in real estate/structured products and credit analysis
Strong Microsoft Office skills. Modelling experience is a plus
Strong attention to detail
Oral and written communications skills enabling him or her to effectively interact with internal and external constituents of all levels
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
The ability to work independently to meet tight deadlines and initiate ideas with other members of the SCREU team and Independent Risk to mitigate risk
Education: MBA or CFA or CA

Job Responsibility

Work proactively with the Underwriting team to ensure timely information flow/ communications among all internal stakeholders
Monitor the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers with the aim of identifying and mitigating credit risks. Assist with classification and risk rating processes, decisions and monitoring
Review servicer reports for accuracy, investigate unusual data trends, identify deteriorating asset performance, and keep abreast of industry and market trends and customer-specific events, which may require contributions to quarterly portfolio reviews and liaising on updates to collateral data
Prepare annual credit approval and quarterly memos in a timely manner
Model transactions for risk rating and stress testing purposes
Assist with special projects including stress testing, portfolio concentration analysis, internal audit & reviews, risk rating processes, Credit Policies and Credit Programs across product groups
Assist in reporting of Basel securitization parameters
Maintain organized credit files for credit, regulatory, and compliance purposes and ensuring compliance with WCR policies and processes
Review and analyze historical and pro forma financial statements of real estate properties (e.g., operating statements, rent rolls) to ascertain revenue trends, expense structures, and Net Operating Income (NOI)
Examine the financial statements (Balance Sheet, Income Statement, Cash Flow Statement) of borrowers and sponsors to assess their financial health

Fulltime

Credit Underwriter - Natural Resources (Power, Energy and Chemicals) - Senior Vice President

The Underwriter is a strategic professional who stays abreast of developments wi...

Location

United Kingdom , London

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Extensive relevant work experience in a similar role
Bachelor's degree in finance or accounting (preferred) - previous experience working in a financial institution with additional experience in a loan officer or underwriting role. (credit trained a plus)
Advanced analytical skills including the ability to read and assess 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
Effective written and verbal communication skills
Problem recognition and resolution skills
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, and Moody's financial analysis software
Bachelor’s/University degree, Master’s degree preferred

Job Responsibility

Assist bankers and Underwriters in underwriting requests for credit extensions for new and existing clients, and in the writing of annual reviews with focus on more complex and higher dollar exposure transactions
Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information
Perform collateral analysis on accounts receivable, inventory, machinery and equipment and real estate in order to evaluate collateral performance and changes in trends, as well as to assess repayment capacity based secondary sources of repayment
Prepare monthly and/or quarterly reviews of existing borrowers in order to track compliance with various loan covenants as outlined in the loan Agreement
Build a solid understanding of Citibank products and services within Commercial Banking and the broader organization
Coordinate with bankers on customer calls and site visits, when appropriate
Perform industry and geographical research and other due diligence as needed
Be familiar with Citibank credit policies and practices and regulatory policies, to assist unit in achieving compliance with the above and satisfactory ratings from internal and external auditors
Provides training for less experienced credit officers and other credit center staff in application processing, credit analysis and loan closing roles
Provide backup to the team manager in workflow distribution and monitoring as needed

What we offer

Generous holiday allowance starting at 27 days plus bank holidays
increasing with tenure
A discretional annual performance related bonus
Private medical insurance packages to suit your personal circumstances
Employee Assistance Program
Pension Plan
Paid Parental Leave
Special discounts for employees, family, and friends
Access to an array of learning and development resources

Fulltime

Assistant Vice President, Commercial Banking Support Banker

Citi Commercial Bank offers its clients the convenience, a global banking networ...

Location

Japan , Tokyo

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

5-8 years of experience
Previous banking experience
Working within Commercial/Corporate banking is desirable
Experience in a Client Relationship role or client facing role
Sales, presentation and communication skills
Analytical and credit skills
High level of self-motivation
Knowledge of general banking processes, general understanding of commercial banking solutions
Ability to build & develop strong client relationships
Effective collaboration skills with Senior Relationship Managers and Commercial Banking partners

Job Responsibility

Build relationships with Citi network and operational teams, becoming one of the key contacts for clients’ requests, internal requests/escalation and resolution
Support Senior Relationship manager in management of assigned portfolio of clients
Work closely with Senior Relationship Managers to ensure we provide a 'Client First' approach and help to deliver outstanding day to day banking & operational support to our Mid-Market clients
In cooperation with Senior Relationship Manager calls on clients and maximise ‘One Citi’ client experience, by proactively leveraging and sharing Citi’s market leading insights, global network and solutions
Monitor and support products’ implementation processes, clients on-boarding process and manage sales CRM platform
Liaise with Relationship Associate to ensure adherence to global KYC (Know Your Customer) standards during the onboarding process and, on an ongoing basis, ensuring the appropriate compliance deliverables are met
Develops and maintains strong ties with Commercial Banking teams across the globe, in particular CCB colleagues working across the same sector vertical, CCB colleagues supporting subsidiary businesses overseas (Commercial Subsidiaries Group)
Collaborate and work closely with various product teams (cash sales, trade finance, markets, corporate finance), Underwriting / Risk teams
Work with Senior Relationship Managers to analyse client relationships, risks & opportunities, assists with credit application write-up, financial spreading, deal structuring, returns calculation, documentation review & preparation
Administrate the credit relationship of clients, ensuring the proper application of policies and institutional processes

Fulltime

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Institutional Credit Management - Underwriter – Assistant Vice President

Job Description

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