Leveraged Finance Credit Underwriting - Officer Job at Citi (Mumbai)

Credit Underwriting – Leveraged Finance - Officer

The Global Leveraged Finance Underwriting Credit Team (“LFU”) within Institution...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

4-7 years of credit analysis, origination, or relevant credit experience
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)
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
Advanced knowledge of Microsoft Word, Excel, and PowerPoint
Three statements financial modeling experience
Ability to take on demanding responsibilities and work independently, while juggling multiple tasks at one time effectively manage deadlines and juggle multiple tasks at once
Awareness and adherence to the control environment including Quality Assurance and Quality Control
Bachelor’s/University degree or equivalent experience

Job Responsibility

Assess the credit and financial strength of Citi’s most complex Large Corporate Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
Monitor the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to LFU Underwriters, Risk and BCMA partners
Evaluate and gain a strong understanding of clients' business model, financial performance, and key credit drivers across various industries, through both due diligence process as part of transactions and ongoing credit monitoring responsibilities
Assess the borrower’s cash flow profile by building projection models used in assigning a regulatory rating and driving decision on the extension of credit to highly levered obligors
Provide analytical support across LFU’s core functions: (1) Leveraged Lending transaction origination and credit approval
(2) portfolio management and early problem recognition
(3) global leveraged lending related projects and strategic initiatives

Fulltime

Wholesale Credit Underwriting – Leveraged Finance – Vice President

The Global Leveraged Finance Underwriting Credit Team (LFU) within Institutional...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

10 - 14 years previous credit authority experience
Prior experience working in a regulatory and compliance policy environment
Proven analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry/competitive analysis and projections
Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
Excellent organizational skills, prioritizing capabilities, attention to detail
Effective inter-personal and written/verbal communication skills
Thorough problem recognition and resolution skills
Pro-active disposition with ability to work autonomously and within a team
Proficient in various spreadsheet and word processing applications (Excel and Word), including the use of graphs and charts and financial analysis software
Bachelor’s/University degree, Master’s degree preferred

Job Responsibility

Interface with and support bankers in underwriting requests for commercial credit extensions
Prepare a detailed written credit summary of commercial applicants
Perform detailed financial analysis on companies, including trend and ratio analysis
Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers
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
Assists business unit goals by continuous identification of process improvements and efficiencies
Provide backup support to Credit Underwriting Group Manager, lead projects and initiatives and mentor lower level Credit Officers
Appropriately assess risk when business decisions are made

Fulltime

Wholesale Credit Underwriting – Leveraged Finance – Vice President

The Global Leveraged Finance Underwriting Credit Team (LFU) within Institutional...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

10 - 14 years previous credit authority experience
Prior experience working in a regulatory and compliance policy environment
Proven analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry/competitive analysis and projections
Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines
Effective inter-personal and written/verbal communication skills
Thorough problem recognition and resolution skills
Pro-active disposition with ability to work autonomously and within a team
Proficient in various spreadsheet and word processing applications (Excel and Word), including the use of graphs and charts and financial analysis software
Bachelor’s/University degree, Master’s degree preferred

Job Responsibility

Interface with and support bankers in underwriting requests for commercial credit extensions
Prepare a detailed written credit summary of commercial applicants
Perform detailed financial analysis on companies, including trend and ratio analysis
Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers
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
Assists business unit goals by continuous identification of process improvements and efficiencies
Provide backup support to Credit Underwriting Group Manager, lead projects and initiatives and mentor lower level Credit Officers
Appropriately assess risk when business decisions are made

What we offer

Extensive on-the-job training and exposure to senior leaders
More traditional learning
Chance to give back and make a positive impact through volunteerism

Fulltime

Corporate Credit Underwriter – Leveraged Finance – Officer

The Global Leveraged Finance Underwriting Credit Team within Institutional Credi...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

3-6 years of credit analysis, origination, or relevant credit experience
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)
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
Advanced knowledge of Microsoft Word, Excel, and PowerPoint
Three statements financial modeling experience
Ability to take on demanding responsibilities and work independently, while juggling multiple tasks at one time effectively manage deadlines and juggle multiple tasks at once
Awareness and adherence to the control environment including Quality Assurance and Quality Control
MBA or CFA or CA

Job Responsibility

Assess the credit and financial strength of Citi’s most complex Large Corporate Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
Monitor the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Leveraged Finance Underwriting Underwriters, Risk and Banking, Capital Markets & Advisory partners
Evaluate and gain a strong understanding of clients' business model, financial performance, and key credit drivers across various industries, through both due diligence process as part of transactions and ongoing credit monitoring responsibilities
Assess the borrower’s cash flow profile by building projection models used in assigning a regulatory rating and driving decision on the extension of credit to highly levered obligors
Provide analytical support across Leveraged Finance Underwriting's core functions: (1) Leveraged Lending transaction origination and credit approval
(2) portfolio management and early problem recognition
(3) global leveraged lending related projects and strategic initiatives
The Senior Analyst will be responsible for writing Annual Reviews and Quarterly Reviews of the assigned portfolio

Fulltime

Corporate Credit Underwriter – Leveraged Finance – Officer

The Global Leveraged Finance Underwriting Credit Team within Institutional Credi...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

3-6 years of credit analysis, origination, or relevant credit experience
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)
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
Advanced knowledge of Microsoft Word, Excel, and PowerPoint
Three statements financial modeling experience
Ability to take on demanding responsibilities and work independently, while juggling multiple tasks at one time effectively manage deadlines and juggle multiple tasks at once
Awareness and adherence to the control environment including Quality Assurance and Quality Control
MBA or CFA or CA

Job Responsibility

Assess the credit and financial strength of Citi’s most complex Large Corporate Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
Monitor the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Leveraged Finance Underwriting Underwriters, Risk and Banking, Capital Markets & Advisory partners
Evaluate and gain a strong understanding of clients' business model, financial performance, and key credit drivers across various industries, through both due diligence process as part of transactions and ongoing credit monitoring responsibilities
Assess the borrower’s cash flow profile by building projection models used in assigning a regulatory rating and driving decision on the extension of credit to highly levered obligors
Provide analytical support across Leveraged Finance Underwriting's core functions: (1) Leveraged Lending transaction origination and credit approval
(2) portfolio management and early problem recognition
(3) global leveraged lending related projects and strategic initiatives
The Senior Analyst will be responsible for writing Annual Reviews and Quarterly Reviews of the assigned portfolio

Fulltime

Credit Officer - Leverage Finance Underwriting

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

Postgraduate qualification such as MBA (Finance), CA, or CFA preferred
Portuguese & English proficient required
Spanish is preferred
3–5 years of relevant experience in credit, banking, or financial analysis roles
Advanced Excel and modeling proficiency
working knowledge of databases (Bloomberg, Factset, Capital IQ) an advantage
Strong grasp of credit principles, risk ratings, and financial covenants
Advanced experience with the internal Policies, Standards, Procedures, Templates
Strong accounting knowledge
Independent problem-solving and analytical depth

Job Responsibility

Lead preparation of credit notes and valuations using multiple methodologies (DCF, market multiples, precedent transactions, etc.)
Conduct ratio, cash flow, and capital structure analyses to assess creditworthiness
Assess liquidity, debt capacity and other areas of financial and operating performance to evaluate areas of weakness and potential for turnaround, which is measured by setting and monitoring appropriate classification triggers
Monitor operating performance, identify potential red flags, and propose rating actions when needed
Participate in management calls, analyze earnings transcripts, and prepare summary insights
Ensure credit papers adhere to policy standards and contain accurate, well-supported recommendations
Review work of junior analysts for quality and consistency
Collaborate with internal stakeholders on exposure reviews, documentation, and portfolio analytics
Basic understanding of credit agreements, monitoring covenants, etc.
Work closely with other colleagues (Senior Bankers and Senior Credit Officer-level transactors) to remain coordinated on the restructuring/valuation process and assess likely restructuring scenarios

Leveraged Finance Underwriter

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

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

6-10 years previous credit authority experience
Prior experience working in a regulatory and compliance policy environment
Proven analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry/competitive analysis and projections
Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
Excellent organizational skills, prioritizing capabilities, attention to detail
Effective inter-personal and written/verbal communication skills
Thorough problem recognition and resolution skills
Proficient in various spreadsheet and word processing applications (Excel and Word), including the use of graphs and charts and financial analysis software
Bachelor's/University degree, Master's degree preferred

Job Responsibility

Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients
Prepare detailed written credit summary of commercial applicants requesting credit
Perform detailed financial analysis on companies, including trend and ratio analysis
Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers
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
Assist business unit goals by continuous identification of process improvements and efficiencies
Provide backup support to Credit Underwriting Group Manager, lead projects and initiatives and mentor lower level Credit Officers

What we offer

Extensive on-the-job training and exposure to senior leaders
Traditional learning opportunities
Volunteerism opportunities
Career growth opportunities

Fulltime

New

Credit Risk Officer

Citibank, N.A. seeks a Credit Risk Officer for its Getzville, New York location.

Location

United States , Getzville

Salary:

130728.00 USD / Year

Citi

Expiration Date

August 05, 2026

Requirements

Master’s degree or foreign equivalent in Business Administration, Economics, Management Information Systems, Finance, Accounting or related field and 3 years of experience as a Credit Risk Analyst, Credit Portfolio Senior Manager, Tax Analyst or related position
Will also accept a Bachelor’s degree, or foreign equivalent in disciplines listed above and 6 years of progressively responsible, post-baccalaureate experience in the fields listed above
3 years of experience must include: Leading alignment meetings by presenting industry analysis, financials, organizational structure of counterparty to business and risk partners
Analyzing trends in the industry Escalating credit risk and mitigating potential loss on extended credit for clients
Perform Financial Statement analysis and use accounting skills to Conduct credit research and financial stability of a company, evaluating and reporting profitability of a credit line for extended facilities
Managing and maintaining portfolio and conducting credit assessment for counterparties
Knowledge of risk and return models, and independent assessment for evaluating acquisition financing, and leveraging financing for counterparties
Evaluating risk for the obligors and performing financial analysis to determine and recommend an extension of credit line
Performing stress testing to determine the outlier in the portfolio, UAT testing to fill gaps in the process and analyzing different types of transactions, including margin and term loans and revolving credit facilities for the client
Loan documentation, collateral ratings, and key trading as agreements - ISDA/CSA

Job Responsibility

Assess analyst work and creditworthiness as a senior on the team and assign appropriate credit rating by credit & financial analysis
Review & underwrite the structuring of annual & transaction Credit Approval Memos
Complete/Review due diligence of North American Insurance companies with industry knowledge to provide appropriate extensions of credit remaining within risk appetite per Wholesale Credit Risk Policy, perform outlook & industry overview of the portfolio for presenting to leadership
Maintain updated credit research on a portfolio of clients and lead group wide efficiency projects
Help the team in assessing risks & mitigants, using both quantitative and qualitative factors to perform reviews/renewals for new and existing relationships
Lead/work with the team to perform complex transactions in sensitive timeline through collaborating cross functionally within 1st /2nd & 3rd Line of Defense
Supervise, review, & provide input on analysis as a senior on the team and seeks credit and regulatory approval for all annual/transactions as part of a deal team
Ensure best in class core credit risk analysis of applicable portfolio, ensuring consistencies with industry leading practices and conform to all internal credit procedures/policies, and all related regulatory expectations
Recognize concerns regarding execution of risk analysis and/or emerging risks which will need to be addressed by the team, and ensure the tactical execution of these guidelines are reflected on all core deliverables of the team
Ensure ongoing and timely feedback and coaching of Credit Risk Analysts, Credit Risk Senior Analysts, and Credit Risk Associates

What we offer

medical
dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
paid time off packages including planned time off (vacation), unplanned time off (sick leave), and paid holidays

Fulltime

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Leveraged Finance Credit Underwriting - Officer

Job Description

Job Responsibility

Requirements

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