Underwriter, Citi - Job Offer

Citi

Location:
Hungary, Budapest

Category:
Finance

Contract Type:
Employment contract

Salary:

Not provided

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Job Description:

The Underwriter is a strategic professional responsible for credit decisions, financial analyses, and compliance within Small Business/Commercial Banking.

Job Responsibility:

Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards
attend meeting with clients as required and participate in due diligence meetings for new or existing transactions
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
assists business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels
work with management team on prioritization and implementation of approved actions
provide backup support to Credit Underwriting Group Manager, lead projects and initiatives and mentor lower level Credit Officers as needed
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:

6-10 years previous credit experience
prior experience working in a regulatory and compliance policy environment
proven analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry/competitive analysis and projections
demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
effective inter-personal and written/verbal communication skills
thorough problem recognition and resolution skills
pro-active disposition with ability to work autonomously and within a team
proficient in various spreadsheet and word processing applications (Excel and Word), including the use of graphs and charts and financial analysis software
requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources.

What we offer:

Equal opportunity employer
accommodation for persons with disabilities.

Additional Information:

Job Posted:
August 23, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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