Underwriting Credit Associate Job at Citi (Nairobi)

Associate, Credit Risk Operations (Underwriting)

As an Associate, Credit Risk Operations, you will be conducting credit risk revi...

Location

Singapore , Singapore

Salary:

Not provided

Airwallex

Expiration Date

Until further notice

Requirements

5 years of relevant experience with knowledge of commercial credit underwriting, financial statement analysis, and cash flow forecasting
Knowledge of merchant acquiring services and the payment processing industry
Effective communication skills
attention to detail
Be a team player, with strong interpersonal and communication skills, both written and verbal
Be highly curious and thoughtful - a proactive self-starter with a sense of urgency and bias for action, under a fast-paced environment
Be comfortable with complex data and analytics to draw meaningful insights. SQL is required for this role.

Job Responsibility

Assess merchant’s credibility in both onboarding and monitoring workflows, by verifying and analyzing merchant’s business information and financial statements
Provide tailored credit risk recommendations that mitigate Airwallex’s exposure while facilitating partner company growth
Prioritize and process the review of incoming applications to verify their accuracy and integrity, interpret them so that they are concise, exact, integral, in compliance with the policy, and register them accurately and in a timely manner
Deliver insights to support key business decisions ranging from onboarding strategies to pricing analysis and product launches
Lead process improvements to help the team deliver on key performance indicators and meet service level agreements
Provide feedback on data, tools, 3rd party vendors etc. for continuous ops efficiency improvement, along with on-going enhancements of policies and procedures.

Fulltime

Institutional Credit Management, In-Business Quality Assurance - Real Estate and Structured Credit Underwriting

Institutional Credit Management’s objective is to provide an integrated “end-to-...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Demonstrable quality control / quality assurance experience, including 5 - 7 years in banking, credit risk management, credit risk internal audit, loan review or quality assurance function at a large financial institution, established rating agency, or equivalent
Familiarity with risk management and controls frameworks related to credit risk management or another financial risk discipline
Ability to understand policies and procedures and execute change seamlessly
Understanding of complex counterparty credit product structures, and ideally versed in securitization and credit financing products such as ABS, CLOs, TRS and Commercial Real Estate, etc.
Background on core credit analysis and underwriting for large corporate and finance industries and awareness of risks and controls associated with credit approvals
Advanced Microsoft Office (Word, Excel, and PowerPoint) skills
Data analysis skills are desirable
BA/BSc or higher degree in Business (MBA), or any other related subject

Job Responsibility

Support the QA Head of Real Estate and Structured Credit Underwriting in discussions to define the Quality Assurance function and Reviews across ICM coverage universe
Provide effective credible challenge during QARs to Business Region Heads and Portfolio Managers, with respect to credit memorandums and associated process quality to ensure that weaknesses in such processes are identified and escalated as appropriate
Provide support to ensure wholesale credit risks within Citi are effectively identified, measured, monitored, and controlled, consistent with the bank’s risk appetite and all policies and processes established within the risk governance framework
Consistent and objective assessments during QARs and subsequent follow-up on corrective actions that were raised during QARs
Sustainability testing of corrective actions resulting from issues raised by Internal Audit or Regulators
Synthesis and preparation of Quality Assurance Reports to ICM business management that communicate and measure results and identify negative trends and potential solutions
Support the In-Business QA function in the establishment of WCR IBQA policies, procedures, risk assessment and controls to drive effective QA coverage and standards
Support the QA Head of Real Estate and Structured Credit Underwriting to stay abreast of relevant changes to rules/regulations and other industry news including regulatory findings
Support the Global Head of WCR In-Business QA on internal projects and initiatives
Support ICM Voice of the Employee (VOE) initiatives

What we offer

Equal opportunity employment
Reasonable accommodation for disabled individuals

Fulltime

Principal Associate, Underwriting, Portfolio, and Loan Management

Principal Associate, Underwriting, Portfolio, and Loan Management - Global Enter...

Location

United States , McLean

Salary:

131300.00 - 149800.00 USD / Year

Capital One

Expiration Date

Until further notice

Requirements

High School Diploma, GED, or Equivalent Certification
At least 2 years of experience in Asset Management, Portfolio Management, or Commercial Credit Analysis

Job Responsibility

Proactively manage a portfolio of LIHTC equity and debt facilities, ensuring all financial covenants, reporting requirements, and compliance milestones are met
Lead the preparation of annual reviews, quarterly risk rating reviews and support preparation of periodic portfolio reviews
Conduct regular financial statement analysis and site inspections
identify deteriorating credit trends or construction delays and develop mitigation strategies
Approve draws, construction budgets, and lien waivers
Partner with third-party consultants to ensure projects remain on schedule and within budget
Ensure all internal systems accurately reflect the current risk profile of the portfolio
Collaborate and act as the point of contact for borrowers, syndicators and internal stakeholders
Identify opportunities to streamline portfolio monitoring workflows and enhance the Well-Managed culture of the Community Finance team

Fulltime

Principal Associate, Underwriting - CDFI

Principal Associate, Underwriting - CDFI. Global Enterprise Affairs works with m...

Location

United States , McLean; Richmond

Salary:

119400.00 - 149800.00 USD / Year

Capital One

Expiration Date

Until further notice

Requirements

High School Diploma, GED, or Equivalent Certification
At least 4 years of experience in credit, lending, relationship management, or any combination of the three
At least 1 year of experience with mission-driven lending or investments or community development lending or investments

Job Responsibility

Support preparation of credit approval packages
Assist in due diligence, underwriting or asset reviews of individual transactions in compliance with policies and procedures
Support portfolio management activities by monitoring financial performance and risk exposure
Conduct financial analysis and modeling to assess feasibility
Gather market data to support underwriting, asset or portfolio reviews
Partner with internal teams to ensure adherence to regulatory and internal policies
Lead the analysis and evaluation of opportunities, ensuring financial viability aligns with the organization's risk appetite, and social impact goals
Monitor the portfolio performance for both financial health and social impact performance, collaborating with internal teams to ensure ongoing compliance with CDFI certification and grant funding requirements
Identify and implement process improvements for capital deployment, impact reporting, and partner relationship management to maximize community reach and operational efficiency
Contribute to process improvements to enhance operational efficiency

What we offer

Performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI)
health, financial and other benefits

Fulltime

Senior Credit Associate

The Senior Credit Associate is responsible to act as the Originations team's key...

Location

United States , St. Augustine

Salary:

Not provided

DLP Capital

Expiration Date

Until further notice

Requirements

5+ years experience in underwriting, credit analysis, and/or commercial lending.
Bachelor’s degree in Finance, Accounting, Business, or Economics.
Financial Acumen: Expertise in reading financial statements, market reporting data, building financial models, and assessing creditworthiness.
Risk Management: Proven ability to analyze complex data, identify risks, and make sound, objective credit decisions.
Communication: Clearly explaining decisions to clients, brokers, and internal teams.
Attention to Detail: Ensuring accuracy in reviewing applications and policies
Analytical & Critical Thinking: Interpreting data, questioning assumptions, and making logical decisions.

Job Responsibility

Responsible for the initial sizing of deal & borrower for term sheet, modifications, and take out financing.
Exhibiting a deep understanding of firm's loan underwriting guidelines, pricing grids and leverage partners credit boxes to identify loans that are ineligible.
Consistently providing quick, yet accurate, responses to all inquiries about assigned credit files, and maintaining dialogue with lending staff to determine the viability of new loans or strategies related to the renewal of existing loans as it relates to terms and structure.
Contributing feedback and participating in Credit Committee meetings and decisioning.
Make decisions that will positively impact the company & its ability to achieve its goals.
Partner with Relationship Managers and Directors to screen and underwrite new lending opportunities, providing indicative terms based on preliminary deal data. Analyze sponsor pro formas, budgets, borrower financials, and market data to assess feasibility and determine appropriate loan sizing. Leverage insights from multiple platforms to support the "Pro Deal Mentality" and ensure alignment with the firm’s Risk Appetite.
Work with Relationship Managers and Directors to complete New Business Submissions for presentation to the Credit Committee, and prepare any necessary change memos following initial Committee approval. Support RMs throughout the deal process by serving as a key point of contact for brokers and sponsors - gathering information, addressing questions, and keeping deals moving forward efficiently.
Structuring loans based on deal-level risks and mitigants.
Evaluating borrower experience and history of execution.
Evaluating real estate investment deal strategies, and the underlying assets as-is and after-repair values.

What we offer

Unlimited PTO, health/dental/vision/life insurance, 401(k) matching, parental leave, adoption services reimbursement/learning/educational incentives, Volunteer Time Off, well-being programs, company events, self improvement/productivity tools, & the incredible feeling of making a difference.

Credit Underwriting – Real Money Funds Portfolio – Officer

The Credit Risk Intmd Analyst is a developing professional role. Deals with most...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

3-6 years previous experience in a financial institution/rating agency with a focus on credit analysis and spreading software
MBA/CA/CFA or equivalent
Analyze program results vs expectations / Develop Strategies and Criteria / Gather data and prepare data for analysis

Job Responsibility

Preparing credit appraisal memos for investment advisors, pension schemes and asset managers (in Real Money Funds portfolio)
Provides analysis of a business' financial trends, indicators and other client data for presentation to the Underwriting Manager
Manages the risk associated with new and existing borrowing relationships
Performs spreads of client business financial statements
Recognizes potential client risk through early warning systems
Performs periodic financial statement review
Tracks established financial covenants
Monitors compliance to borrowing base credit facility
Compliance with Citibank policies to ensure satisfactory ratings from internal and external auditors
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

Fulltime

ICM In-Business Quality Assurance - Real Estate and Structured Credit Underwriting

Institutional Credit Management’s (“ICM”) objective is to provide an integrated ...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Demonstrable quality control / quality assurance experience, including 5 - 7 years in banking, credit risk management, credit risk internal audit, loan review or quality assurance function at a large financial institution, established rating agency, or equivalent
Familiarity with risk management and controls frameworks related to credit risk management or another financial risk discipline
Ability to understand policies and procedures and execute change seamlessly
Understanding of complex counterparty credit product structures, and ideally versed in securitization and credit financing products such as ABS, CLOs, TRS and Commercial Real Estate, etc.
Background on core credit analysis and underwriting for large corporate and finance industries and awareness of risks and controls associated with credit approvals
Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively with little supervision
Evolving interpersonal skills, with the ability to build relationships and exert influence with and without direct authority
Excellent written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
Ideally, experience in preparing presentations for senior stakeholders
Advanced Microsoft Office (Word, Excel, and PowerPoint) skills

Job Responsibility

Support the QA Head of Real Estate and Structured Credit Underwriting in discussions to define the Quality Assurance function and Reviews across ICM coverage universe
Provide effective credible challenge during QARs to Business Region Heads and Portfolio Managers, with respect to credit memorandums and associated process quality to ensure that weaknesses in such processes are identified and escalated as appropriate
Provide support to ensure wholesale credit risks within Citi are effectively identified, measured, monitored, and controlled, consistent with the bank’s risk appetite and all policies and processes established within the risk governance framework
Under the supervision of the Quality Assurance Head – Real Estate and Structured Credit Underwriting, support the execution of the following: Consistent and objective assessments during QARs and subsequent follow-up on corrective actions that were raised during QARs
Sustainability testing of corrective actions resulting from issues raised by Internal Audit or Regulators
Synthesis and preparation of Quality Assurance Reports to ICM business management that communicate and measure results and identify negative trends and potential solutions
Support the In-Business QA function in the establishment of WCR IBQA policies, procedures, risk assessment and controls to drive effective QA coverage and standards
Support the QA Head of Real Estate and Structured Credit Underwriting to stay abreast of relevant changes to rules/regulations and other industry news including regulatory findings
Support the Global Head of WCR In-Business QA on internal projects and initiatives
Support ICM Voice of the Employee (VOE) initiatives

Fulltime

Credit Risk Associate

As a member of Ramp's Risk Strategy & Operations team, you will leverage data to...

Location

United States , New York, NY; San Francisco, CA

Salary:

108300.00 - 165450.00 USD / Year

Ramp

Expiration Date

Until further notice

Requirements

Minimum 2 years of experience in credit risk management or quantitative strategy role
Minimum 2 years of experience using SQL or Python for data retrieval and manipulations
Experience within consumer/corporate/small business cards, payments, lending, or related industries
Excellent written and verbal communication skills

Job Responsibility

Leverage internal and external data to create best in class credit policies
Understand Ramp’s exposure to risk across multiple products to create holistic underwriting and risk management strategies
Investigate and evaluate efficiency of risk policies, procedures, and processes
Analyze market and industry trends, identify potential macroeconomic risk factors and incorporate in credit policy
Partner with product, engineering and design teams to execute credit policies, improve operational tooling, and shape the risk management infrastructure
Partner with data scientists to build and leverage credit risk models in Ramp’s credit policy
Partner with finance teams to create and maintain risk adjusted returns framework, including loss forecasting

What we offer

100% medical, dental & vision insurance coverage for you
Partially covered for your dependents
One Medical annual membership
401k (including employer match on contributions made while employed by Ramp)
Flexible PTO
Fertility HRA (up to $10,000 per year)
Parental Leave
Unlimited AI token usage
Pet insurance
Centralized home-office equipment ordering for all employees

Fulltime

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Underwriting Credit Associate

Job Description

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