Structured Trade Underwriter, Citi

Citi

Location:
India, Mumbai

Category:
Finance

Contract Type:
Employment contract

Salary:

Not provided

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Job Description:

The Underwriter - C14 is a strategic professional who closely follows latest trends in own field and adapts them for application within Citi and the business. Responsibilities include underwriting credit requests, performing financial and collateral analysis, preparing reviews, and tracking compliance. Additionally, the role involves guiding less experienced officers and recommending process improvements while maintaining compliance and risk assessment for Citigroup.

Job Responsibility:

Assist bankers and Underwriters in underwriting requests for credit extensions for new and existing clients, and in the writing of annual reviews with focus on more complex and higher dollar exposure transactions
Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information
Perform collateral analysis on accounts receivable, inventory, machinery and equipment and real estate in order to evaluate collateral performance and changes in trends, as well as to assess repayment capacity based on secondary sources of repayment
Prepare monthly and/or quarterly reviews of existing borrowers in order to track compliance with various loan covenants as outlined in the loan Agreement
Build a solid understanding of Citibank products and services within Commercial Banking and the broader organization
Coordinate with bankers on customer calls and site visits, when appropriate
Perform industry and geographical research and other due diligence as needed
Be familiar with Citibank credit policies and practices and regulatory policies, to assist unit in achieving compliance with the above and satisfactory ratings from internal and external auditors
Provides training for less experienced credit officers and other credit center staff in application processing, credit analysis and loan closing roles
Provide backup to the team manager in workflow distribution and monitoring as needed
Recommend changes to process to achieve greater efficiency
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its 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

Requirements:

10+ years of experience
Bachelor's degree in finance or accounting (preferred) - previous experience working in a financial institution with additional experience in a loan officer or underwriting role
Advanced analytical skills including the ability to read and assess company financial statements, cash flow, industry and competitive analysis and projections
Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
Excellent organizational skills, attention to detail, and the ability to complete assignments in a timely manner
Effective written and verbal communication skills
Problem recognition and resolution skills
Ability to work autonomously and within a team
Proficient in various spreadsheet and word processing applications (Excel and Word are preferred), including the use of graphs and charts, and Moody's financial analysis software

Additional Information:

Job Posted:
May 15, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Structured Trade Underwriter