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Structured Credit and Real Estate Underwriting

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 Assistant Vice President will hold a critical role within the Structured Credit and Real Estate Underwriting team administering a multi-billion dollar portfolio of asset securitization transactions. Responsibilities include conducting credit reviews, credit approvals, monitoring the portfolio to identify credit migration, and managing Citi's portfolio exposure to clients globally. Qualifications require 6+ years of relevant experience, strong analytical and quantitative skills, and expertise in structured products or credit analysis. Candidates should have solid knowledge of accounting, corporate finance, financial modelling, and credit agreements.

Job Responsibility:

  • Monitor the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers and make appropriate recommendations with the aim of identifying and mitigating credit risks
  • assist with classification and risk rating processes
  • identify data trends and deteriorating asset performance
  • keep abreast of industry/market developments and customer-specific events
  • consult with the business and underwriting on any action plans per policies
  • manage and report risk exposures to structured vehicles backed by various asset classes including Consumer Assets, Broadly Syndicated Loans, Middle Market Exposures within Institutional Clients Group
  • perform in-depth fundamental credit analysis by monitoring a company’s financial performance, risk metrics and compliance with performance triggers
  • responsibilities include research, credit analysis, risk rating assessment and active monitoring of the portfolio to identify credit migration
  • compose assigned annual review memos and generate reports as required to highlight portfolio metrics for internal and external regulators
  • model transactions for risk rating and stress testing purposes
  • assist with special projects including stress testing, portfolio concentration analysis, internal audit/review functions, Risk Rating processes, Credit Policies and Credit Programs across product groups
  • assist in analysis and reporting of Basel securitization parameters
  • work with internal teams to ensure data integrity and credit risk positions are accurately reported in credit systems
  • maintain organized credit files for credit, regulatory, and compliance purposes and ensuring compliance with WCR policies and processes

Requirements:

  • 6+ 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
  • solid experience in structured products or credit analysis
  • knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and analysis of credit agreements and other legal documentation
  • strong analytical and quantitative skills with ability to perform, review or critique credit analysis on complex transactions
  • strong writing, presentation and interpersonal skills
  • strong Microsoft Office skills
  • modelling experience is a plus
  • proven ability to work with little direction and in a team
  • excellent attention to detail
  • willingness to learn new products and programs
  • demonstrated accountability, self-motivation and ability to work under tight deadlines

Nice to have:

  • modelling experience is a plus
  • willingness to learn new products and programs
  • Master’s degree
What we offer:
  • equal opportunity employer
  • work-life balance
  • opportunity to grow your career
  • give back to your community
  • make a real impact

Additional Information:

Job Posted:
August 22, 2025

Employment Type:
Fulltime
Work Type:
On-site work
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