CrawlJobs Logo
Citi Logo Citi · Banking

Institutional Credit Management - Underwriter - Officer

India, Mumbai · Job Posted May 09, 2026
Apply Position
Job Link Share

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 an Underwriting Officer/ Analyst. The Underwriting Officer / Analyst 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

  • 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
  • Ensure key tracked milestone deliverables are met and comply with key KPIs
  • Ensure timely completion of remediations identified during the internal testing process
  • Assist with ad hoc projects
  • Timely completion of all mandatory compliance / analytical trainings
  • Effectively communicate questions, concerns and/or potential delays pertaining to portfolio monitoring with Underwriters

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
Citi - All Job Offers

Looking for more opportunities?

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

Suggested Tags: Frontend Developer Secretary Talent Manager Salesforce Administrator Data Analyst
Similar Jobs for

Institutional Credit Management - Underwriter - Officer

8 matching positions

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
  • 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

Senior Vice President, Underwriter, Institutional Credit Management

Citi continues to enhance its business control and governance framework by build...
Location
Location
Japan , Chiyoda, Tokyo
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 10+ years risk/risk-related credit work experience in banking/financial institutions
  • Proven ability to effectively engage with regulators and internal control functions including Internal Audit and Fundamental Credit Risk 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
  • Excellent presentation skills – adept at presenting effectively to audiences of various sizes and various constituencies
  • Bachelor’s/University degree, Master’s degree preferred
Job Responsibility
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, and senior approval forums
  • Detailed review of financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis performed by junior resources
  • Review and approval of Credit Approval Memos (CAM) packages
  • Partner with Front Office on structuring and production of term sheet for new transactions
  • Facilitate relationships with key clients in Banking and Risk and with key Regulators, Internal Audit, and control functions
  • Support ICM Underwriting organization on strategic initiatives / projects as required
What we offer
What we offer
  • Discover the top benefits offered to our global workforce, designed to support your well-being, growth and work-life balance. Explore a few of the highlights that make working with us rewarding.
  • Fulltime
Read More
Arrow Right

Institutional Credit Management - Underwriter - Vice President

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 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
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
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
Read More
Arrow Right

Institutional Credit Management - Underwriter – Assistant Vice President

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
  • 6-10 years of experience, specifically in credit-related roles within Banking, Credit Risk Management, or a comparable field
  • Strong skills in financial analysis, including proficiency in interpreting financial statements and identifying key risk indicators
  • Proficient in identifying key financial and non-financial risks in their portfolio
  • Proficient in modeling techniques with an understanding of modeling principles
  • Working knowledge 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
  • Independently perform assigned responsibilities with some supervision and limited Underwriter oversight on credit memos
  • Maintain coverage of a medium-to-high complexity portfolio of obligors under the guidance of an Underwriter
  • Prepare Annual and Quarterly review memos to accurately and concisely analyze complex credits
  • Author medium to high complexity transaction memos
  • Propose internal credit ratings and classifications by applying internal models and analytical guidance accurately
  • Identify material changes in financial performance or other credit events and recommend appropriate actions, if needed, to Internal Risk Rating
  • Develop projection models and appropriately articulate projection model assumptions during Annual Reviews and, Transactions
  • Ensure timely completion of remediations identified during the internal testing process
  • Serve as SME on various internal policies and procedures
  • Ensure compliance with key KPIs
  • Fulltime
Read More
Arrow Right