SVP - Underwriter Job at Citi (Mumbai)

Job Description

Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism. Shape your Career with Citi We’re currently looking for a high caliber professional to join our team as SVP - Underwriter – Hybrid (Internal Job Title: Underwriter - C14) based in Mumbai, India. Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future.

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 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. (credit trained a plus)
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
Bachelor’s/University degree, Master’s degree preferred

What we offer

Access to telehealth options, health advocates, confidential counseling and more
Expanded Paid Parental Leave Policy
Programs to manage financial well-being and help plan for the future
Access to an array of learning and development resources
Generous paid time off packages
Resources and tools to volunteer in communities

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SVP - Underwriter

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