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Real Estate Underwriting - Officer

https://www.citi.com/ Logo

Citi

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Location:
India , Mumbai

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Category:
Finance

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Contract Type:
Employment contract

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Salary:

Not provided
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Job Description:

The Underwriter – C11 is an intermediate level role requiring in-depth knowledge of credit risk management and financial analysis. It involves evaluating complex issues, preparing detailed credit summaries, and ensuring compliance with Citibank credit policies.

Job Responsibility:

  • Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients
  • Prepare a detailed written credit 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 credit and personal financial statement analysis on individuals, guarantors, and co-borrowers in order to assess repayment capacity based on cash flow statements, tax returns, and statements
  • Perform industry and geographical research and other due diligence as needed
  • Maintain a solid understanding of Citibank products and services - within Small Business/Commercial Banking and the broader organization
  • 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

Requirements:

  • 2-5 years relevant experience
  • Degree in Quantitative Fields such as Economics, Engineering, Operations Research, Business Finance, or Mathematics
  • Previous experience in credit risk management or equivalent training and experience preferably in the financial services industry
  • Ability to apply credit and risk principles toward business goals
  • Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency
  • Must be highly organized and able to work in a fast-paced environment managing multiple projects
  • Possess effective interpersonal, organizational and analytic skills
What we offer:
  • Equal opportunity policies
  • Global benefits supporting well-being, growth, and work-life balance

Additional Information:

Job Posted:
September 03, 2025

Employment Type:
Fulltime
Work Type:
On-site work
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