Underwriter - Senior Vice President Job at Citi (Mumbai)

Senior Vice President, Underwriter, Institutional Credit Management

Citi continues to enhance its business control and governance framework by build...

Location

Japan , Chiyoda, Tokyo

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

10+ years risk/risk-related credit work experience in banking/financial institutions
Proven ability to effectively engage with regulators and internal control functions including Internal Audit and Fundamental Credit Risk as well as with external audit
Demonstrates strong ethics and integrity
Ability to see the 'big picture' in a complex environment
Can make decisions under pressure and short timeline
Excellent verbal & written communication skills. Active listening skills
Excellent presentation skills – adept at presenting effectively to audiences of various sizes and various constituencies
Bachelor’s/University degree, Master’s degree preferred

Job Responsibility

Executes, aligned with global and regional strategies, all responsibilities regarding underwriting, including, but not limited to: 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
Detailed review of financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis performed by junior resources
Review and approval of Credit Approval Memos (CAM) packages
Partner with Front Office on structuring and production of term sheet for new transactions
Facilitate relationships with key clients in Banking and Risk and with key Regulators, Internal Audit, and control functions
Support ICM Underwriting organization on strategic initiatives / projects as required

What we offer

Discover the top benefits offered to our global workforce, designed to support your well-being, growth and work-life balance. Explore a few of the highlights that make working with us rewarding.

Fulltime

Corporate Credit Underwriter – Senior Vice President

The Global Leveraged Finance Underwriting Team (“LFU”) within Institutional Cred...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

13+ years of credit or related corporate credit risk experience
MBA or CA or CFA
Advanced knowledge of Microsoft Word, Excel, and PowerPoint
Thorough understanding of the credit and/or portfolio management process
Strong awareness and adherence to the control environment including Quality Assurance and Quality Control

Job Responsibility

Accountability for ensuring best in class credit risk analysis of the Core Portfolio
Regular monitoring of the portfolio through writing Annual and Quarterly reviews
Portfolio management and early problem recognition
Participation in new originations, primarily for existing relationships
Coaching and training analysts and associates to develop their credit underwriting skills
Ensuring strict adherence to Citi’s Policies/Standards/Procedures
Supervise analysts and associates to perform periodic written reviews of the clients' financial and operating performance, covenant compliance, management/relationship strategy, and competitive position within its peer group
Review and analyze models used for valuation and to forecast the client's operating and financial performance and be able to articulate assumptions and analysis to LFU Underwriters and Risk
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
Evaluate and gain strong understanding of clients' business, financial performances, and key credit drivers across various industries with the ability to raise issues and concerns as needed

Fulltime

Credit Underwriter - Natural Resources (Power, Energy and Chemicals) - Senior Vice President

The Underwriter is a strategic professional who stays abreast of developments wi...

Location

United Kingdom , London

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Extensive relevant work experience in a similar role
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

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

What we offer

Generous holiday allowance starting at 27 days plus bank holidays
increasing with tenure
A discretional annual performance related bonus
Private medical insurance packages to suit your personal circumstances
Employee Assistance Program
Pension Plan
Paid Parental Leave
Special discounts for employees, family, and friends
Access to an array of learning and development resources

Fulltime

Credit Group Manager - Senior Vice President

Job Overview: Credit Group Manager - C14 - Staffer (Job Code: 070930). Citi cont...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

10+ years risk/risk-related credit work experience in banking/financial institutions
Proven ability to effectively engage with regulators and internal control functions including Internal Audit and Fundamental Credit Risk as well as with external audit
Demonstrates strong ethics and integrity
Ability to see the 'big picture' in a complex environment
Can make decisions under pressure and short timeline
Excellent verbal & written communication skills
Active listening skills
Excellent presentation skills
Master's degree preferred

Job Responsibility

Lead execution of credit approvals, prepares and leads discussions with Risk and escalation within 1LOD
underwriting and monitoring of a portfolio of corporate clients, from early origination discussions to the development of credit approval memos and senior approval forums
Undertake comprehensive review of financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis performed by junior resources (UW analysts)
Provide Underwriting sign-off and recommendation for transactions requiring senior approval
Has industry expertise and ability to discuss relevant macro and micro issues within coverage portfolio
Partner with Front Office on structuring new transactions and negotiating legal documentation
Build strong working relationships with key partners in Banking, Risk and with key regulators, audit/control functions
Lead credit conversation with both internal and external auditors related to coverage
Manage direct reports, tracks workload and helps to find staffing solutions to bottlenecks and urgent deliverables in cooperation with Underwriters
Lead the recruiting and onboarding processes where required

Fulltime

Institutional Credit Management - Export Agency Finance - Senior Vice President

This First Line role would ideally be suited to someone working in the capacity ...

Location

United Kingdom , London

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Relevant years of experience at a senior level
Preferred experience with export agency finance transactions
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

Job Responsibility

Work with Bankers, Product Partners and Underwriters on global export agency finance transactions
Build a solid understanding of Citibank products and services within Trade, Banking and the broader organization
Mastering Citibank's credit policies and practices and regulatory policies
Experience with credit approval, documentation, structuring, execution of export agency finance transactions
Provide training for risk and business partners on export agency finance processes
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

What we offer

Global benefits offered to our global workforce, designed to support well-being, growth and work-life balance

Fulltime

Cyber Broker, Senior Vice President

The Cyber Broker, Senior Vice President will be responsible for Cyber and Tech E...

Location

United States , Sandy Springs ("Atlanta")

Salary:

175000.00 - 225000.00 USD / Year

Brown & Brown UK

Expiration Date

Until further notice

Requirements

Bachelor’s degree including but not limited to Business and/or Risk Management, and/or 8 to 15 years of related insurance experience
Must have or be able to obtain the appropriate state brokers licenses
Excellent customer service skills, with ability to develop sound relationships with clients, underwriters, and other vendors
Knowledge and understanding of insurance legislation, rules, laws and other regulations
Ability to use initiative and good judgment in accomplishing tasks with minimal errors/Must possess critical thinking skills
Establish and maintain effective work relationships and to function in a team environment
Ability to lead client and/or market discussions
Good listening skills
Proficient with Microsoft PowerPoint, Word and Excel

Job Responsibility

Broker cyber accounts and assist other brokers and producers by attending meetings to identify and quantify cyber and technology risk for companies and prospects
Contribute to new and existing accounts by demonstrating cyber and technology products and services
Bridge the gap between CISOs and Risk Managers to understand, communicate and assess cyber risk to refine decisions on purchase of cyber insurance programs and communicate same to management
Responsible for placement of business
Develop and maintain relationships with clients and assist in new business prospecting
Analyze client’s loss exposures and determine coverage needs
Maintain appropriate state brokers licensing
Manage daily transactions for an assigned book of business (i.e., audits, adjustments, endorsement requests, coverage analysis, open items, etc.)

What we offer

Excellent growth and advancement opportunities
Discretionary time off
Generous benefits package: health, dental, vision, etc.
Employee Stock Program
Education Assistance Program – tuition reimbursement, student loan repayment assistance, etc.
Health Benefits: Medical/Rx, Dental, Vision, Life Insurance, Disability Insurance
Financial Benefits: ESPP
401k
Student Loan Assistance
Tuition Reimbursement

Fulltime

Vice President or Senior Director, Credit Risk

KOHO is seeking an exceptional leader in Credit Risk who combines strategic visi...

Location

Canada

Salary:

225000.00 - 325000.00 CAD / Year

KOHO

Expiration Date

Until further notice

Requirements

15+ years of experience in credit risk, including 7+ years in a leadership role
Extensive expertise in consumer credit risk across the lifecycle—preferably in fintech, challenger banks, or alternative lending environments
Proven track record building credit risk functions through high growth phases
Experience managing managers and directors across modeling, strategy, and risk analytics
Expert knowledge of credit data, scoring systems, and risk governance frameworks
Proven track record influencing senior stakeholders and working cross-functionally
The ability to communicate complex credit risk concepts to diverse audiences
Hands-on experience with risk infrastructure, decision engines, and reporting tools
Excellent written and verbal communication skills with the ability to present to the Board and executive leadership
Passion for developing inclusive teams and mentoring talent

Job Responsibility

Architect and execute KOHO’s credit risk strategy across all lending products
Build and scale teams, managing multiple levels of talent responsible for credit risk modeling, strategy, reporting, and governance
Design and implement credit policies, underwriting guidelines, and credit lifecycle strategies (origination, limit management, collections, and recovery)
Define and monitor key credit risk metrics, portfolio trends, and early warning indicators
Drive data-driven decision-making in product development, pricing, and growth initiatives
Lead credit risk governance and deliver strategic insights to internal and external stakeholders including the Board, risk committees, and investors
Partner with Finance on portfolio forecasting and debt facility management
Lead regulatory examinations and maintain relationships with regulators on credit risk matters
Ensure audit readiness and regulatory compliance, including IFRS9 reporting and credit loss provisioning
Present to and advise the Board Risk Committee on credit portfolio performance, emerging risks, and strategic initiatives

What we offer

Competitive compensation & equity
Fantastic, Deeply Engaged Team
Generous vacation + Wellness days + Flex Days + holiday closure
Remote-first environment + coworking support + yearly all hands retreat
Access to coaching & growth programs
Parental top-up & leave policies
Comprehensive health benefits
Power-up budgets for books, home office setup, phone & internet, AI tools, and professional development

Fulltime

Credit Portfolio Senior Manager, Vice President

This position is within Citi’s USPB In-Business Unsecured Lending Risk. This rol...

Location

India , Gurugram; Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

10+ years of experience in credit risk management or lesser with relevant experience in acquisitions credit risk
Experience in the financial services industry preferred
Demonstrated accountability for delivery of a full range of services to one or more businesses/geographic regions
Consistently demonstrate clear and concise written and verbal communication
Proven negotiation skills often used at a senior level
Demonstrated ability to synthesize, prioritize and drive results with urgency
Ability to obtain support and buy-in across a wide range of internal and external audiences
Bachelor’s/University degree in statistics, mathematics, economics, or equivalent experience
Master’s/PhD degree is a plus

Job Responsibility

Support design, development & optimization of the acquisition credit policies for a $150B+ portfolio that generates 15MM new accounts annually
Perform quantitative analyses to assess risk-adjusted return, risk segmentation, and tradeoffs in acquisition policy changes
Prepare proposals and review with the stakeholders within Risk, document the effective challenge and incorporate inputs in revising the proposals
Collaborate with digital and marketing teams on channel specific underwriting policies
Partner with modeling team on new tools, machine learning and alternate data
Develop a testing framework to deploy learnings faster using repeatable playbooks and monitoring routines
Track and report on initiatives, performance results, emerging trends and opportunities to senior management
Ensure adherence to internal and external regulatory expectations
Respond to effective challenge from second line
Serve as SME for audits, model use and implementation of strategies

Fulltime

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Underwriter - Senior Vice President

Job Description

Job Responsibility

Requirements

What we offer

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