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

Officer – Credit Underwriting – Leveraged Finance

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

2 - 4 years of credit, portfolio management or structuring experience in a financial institution, rating agency, financial guarantor, or asset management firm
structured credit/securitization experience is a plus
strong interest in structured products and credit analysis
strong Microsoft Office skills
modelling experience is a plus
strong attention to detail
oral and written communications skills
ability to work independently to meet tight deadlines
Bachelor's degree/University degree or equivalent experience

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
review servicer reports for accuracy, investigate unusual data trends, identify deteriorating asset performance
prepare annual credit approval and quarterly memos
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

What we offer

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

Fulltime

Leveraged Finance Credit Underwriting - Officer

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

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
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 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

What we offer

Equal opportunity employer
reasonable accommodation for persons with disabilities

Fulltime

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

Senior Vice President - Underwriter - (Structured Credit and Real Estate Underwriting)

The Senior Vice President position will hold a critical role within the Structur...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

13+ years of credit, portfolio management or product experience (preferably real estate underwriting or asset management) in a financial institution, rating agency, financial guarantor, or asset management firm
Experience in leading a team and in coaching and mentoring junior bankers
Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
Ability to understand capital markets products and complex financing and product structures
Ability to provide strategic insights and strong sensitivity to macro and regulatory issues, and impact of such issues on the various Risk families, including operational and franchise risks
Pro-active disposition with ability to work autonomously and within a team
Typically deals with complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting needs
Requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources
Knowledge of wholesale loan (syndicated / bilateral) product and business, including an understanding of legal loan documentation, loan / funding mechanics, deal structure, funds flows, etc.
On track for internal Senior Credit Officer designation is a plus

Job Responsibility

Accountability for ensuring strong analysis of the assigned Real estate portfolio ensuring consistencies with industry leading practices and compliance with all internal risk policies, standards and procedures
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
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
Supervise analysts and associates to perform periodic monitoring of the portfolio
Ensure maintenance of organized credit files for credit, regulatory, and compliance purposes and ensuring compliance with WCR policies and processes
Perform quality control of the approval memos to ensure accuracy and completeness of input
Ensures team monitors the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers and makes appropriate recommendations with the aim of identifying and mitigating credit risks
Ensure ongoing and timely feedback and coaching of junior team to sustain a strong credit culture and an unwavering commitment to excellence in analysis and execution
Provide support to Director and other senior team members, lead projects and initiatives in the wider team
Support the ICM Real Estate Underwriting Verticals (Citi Community Capital, CRE) on strategic initiatives/projects

What we offer

Global Benefits
Best-in-class benefits
Work-life balance

Fulltime

Credit Financing - Collateralized Loan Obligation - Vice President

The Underwriter is a strategic professional who contributes to credit strategies...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

10 years previous credit authority experience within a financial institution and familiarity working in regulatory, compliance, policy environment
Proven analytical skills including the ability to assess structural components of individual transactions, quality of underlying pool assets, and asset managers' capabilities, strategies, underwriting, portfolio management, and track records
Demonstrated knowledge of structured finance/securitization of Private Credit, Middle Market or Broadly Syndicated Loans along with leveraged loans, high yield credits and ability to deal with complex and variable issues where development of an approach/ action involves weighing various alternatives and balancing potentially conflicting needs
Good analytical skills in filtering, prioritizing and validating potentially complex material from multiple sources
Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
Effective interpersonal and written/verbal communication skills
Pro-active disposition with ability to work autonomously and within a team
proficiency with various business applications (e.g., Excel, Word, PowerPoint)
Experience in technology or operation/process enhancements

Job Responsibility

Appropriately assess credit risk and other risk considerations when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup's 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
Interface with and support bankers in underwriting requests for credit extensions of securitization facilities for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards
Participate in due diligence and prepare a detailed written credit memo for periodic monitoring including annual reviews and quarterly memos on existing transaction that includes detailed analysis of the business terms, structural elements, strengths and prevailing risk factors, asset types, and compliance with internal underwriting guidelines in rendering a final credit recommendation to Risk
Perform ongoing monitoring of individual transaction and portfolio trends in a timely fashion
Keep abreast of latest research and developments in industry, product, and rating agency criteria
Maintain familiarity and compliance with Citibank Wholesale Credit Risk policies/standards/procedures and regulatory policies to ensure the business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors and/or reviewers
Assists 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

What we offer

Global workforce benefits
Work-life balance support

Fulltime

Credit Financing - Collateralized Loan Obligation - Vice President

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

10 years previous credit authority experience within a financial institution
Familiarity working in regulatory, compliance, policy environment
Proven analytical skills including ability to assess structural components of transactions
Demonstrated knowledge of structured finance/securitization of Private Credit, Middle Market or Broadly Syndicated Loans
Experience with leveraged loans, high yield credits
Good analytical skills in filtering, prioritizing and validating complex material
Excellent organizational skills, prioritizing capabilities, attention to detail
Effective interpersonal and written/verbal communication skills
Pro-active disposition with ability to work autonomously and within a team
Proficiency with various business applications (e.g., Excel, Word, PowerPoint)

Job Responsibility

Assess credit risk and other risk considerations when making business decisions
Interface with and support bankers in underwriting requests for credit extensions of securitization facilities
Participate in due diligence and prepare detailed written credit memo for periodic monitoring
Perform ongoing monitoring of individual transaction and portfolio trends
Keep abreast of latest research and developments in industry, product, and rating agency criteria
Maintain familiarity and compliance with Citibank Wholesale Credit Risk policies/standards/procedures
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

Fulltime

Credit Risk Intern

We are seeking a Credit Intern to help gather and analyze historical client data...

Location

Mexico , Mexico City

Salary:

Not provided

Jeeves

Expiration Date

Until further notice

Requirements

1+ years of experience in credit risk management
Experience in commercial credit risk preferred
Fluency in English (Jeeves is a global company, and English is our internal language for communication)
Basic understanding of financial statements
Self starter, very organized and can handle multiple requests at the same time
Experience using Microsoft office products
Strong attention to detail

Job Responsibility

Collect, organize, and analyze historical client data, ensuring accuracy and completeness
Leverage external data sources (e.g., banking, tax, financial, credit bureau) and internal performance data to develop best-in-class credit policies (e.g., underwriting criteria, dynamic credit limit programs)
Address data gaps by sourcing missing information where applicable

Parttime

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

Officer – Credit Underwriting – Leveraged Finance

Citi

Location:
India , Mumbai

Category:
Finance

Contract Type:
Not provided

Salary:

Job Description:

Job Responsibility:

Requirements:

Additional Information:

Job Posted:
March 22, 2025

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