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Underwriter

https://www.citi.com/ Logo

Citi

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Location:
Brazil, São Paulo

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Category:
Banking

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Contract Type:
Employment contract

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Salary:

Not provided

Job Description:

Credit Analyst is an intermediate-level position, responsible for conducting credit reviews, monitoring the portfolio to identify the variation in the quality of its customers, in coordination with the Risk Management team.

Job Responsibility:

  • Conducts risk assessments and customer credit analyses, reviews financial results and peer reviews, and prepares financial projections
  • Prepares approval memoranda (Credit Reports and ATAs), conducting due diligence and sensitivity analyses
  • Escalates credit concerns/updates to risk and business managers and proposes risk mitigation measures
  • Assists in preparing portfolio review and conducting stress tests
  • Participates in credit committees and discussions
  • Engagement in customer visits and calls
  • Builds working relationships with multiple teams across the bank
  • Resolves issues and recommends solutions to moderate issues
  • Serves as an expert and consultant for specific industries
  • Advises the commercial area on transaction structures and negotiates credit terms
  • Appropriately assess risks during business-related decision-making processes
  • Transparently escalate, manage, and report control issues

Requirements:

  • Previous experience in credit analysis (3-6 years)
  • Knowledge of accounting, corporate finance, financial analysis/modeling, credit products, derivatives, risk assessment and transaction execution
  • High degree of customer analytical capacity and complex structures
  • Consistently demonstrate clear and concise communication (written and oral)
  • Proven ability to work with a high degree of autonomy and in a team
  • Ability to work with reduced delivery time (sense of urgency)
  • Ability to negotiate with the commercial area and risks
  • Previous experience of DD meetings with clients
  • Demonstrated responsibility, self-motivation and business acumen
  • Mastery of the Office package
  • Bachelor's degree/university degree or equivalent experience
  • Advanced English

Additional Information:

Job Posted:
September 27, 2025

Employment Type:
Fulltime
Work Type:
On-site work
Job Link Share:
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