Underwriting Credit Senior Analyst Job at Citi (Nairobi)

Senior Vice President - Underwriter - (Structured Credit and Real Estate Underwriting)

The Senior Vice President position will hold a critical role within the Structur...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

13+ years of credit, portfolio management or product experience (preferably real estate underwriting or asset management) in a financial institution, rating agency, financial guarantor, or asset management firm
Experience in leading a team and in coaching and mentoring junior bankers
Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
Ability to understand capital markets products and complex financing and product structures
Ability to provide strategic insights and strong sensitivity to macro and regulatory issues, and impact of such issues on the various Risk families, including operational and franchise risks
Pro-active disposition with ability to work autonomously and within a team
Typically deals with complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting needs
Requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources
Knowledge of wholesale loan (syndicated / bilateral) product and business, including an understanding of legal loan documentation, loan / funding mechanics, deal structure, funds flows, etc.
On track for internal Senior Credit Officer designation is a plus

Job Responsibility

Accountability for ensuring strong analysis of the assigned Real estate portfolio ensuring consistencies with industry leading practices and compliance with all internal risk policies, standards and procedures
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
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
Supervise analysts and associates to perform periodic monitoring of the portfolio
Ensure maintenance of organized credit files for credit, regulatory, and compliance purposes and ensuring compliance with WCR policies and processes
Perform quality control of the approval memos to ensure accuracy and completeness of input
Ensures team monitors the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers and makes appropriate recommendations with the aim of identifying and mitigating credit risks
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
Provide support to Director and other senior team members, lead projects and initiatives in the wider team
Support the ICM Real Estate Underwriting Verticals (Citi Community Capital, CRE) on strategic initiatives/projects

What we offer

Global Benefits
Best-in-class benefits
Work-life balance

Fulltime

Assistant Vice President, ICM Risk Analysis Credit Risk Senior Analyst

ICM Risk Analysis Credit Risk Associates are responsible for a portfolio of inst...

Location

Japan , Tokyo

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Bachelor's/University degree or equivalent experience
Financial Services experience including 5-8 years of credit experience in Banking or Credit Risk Management
Well-developed analytical skills with understanding of key financial components
Advanced knowledge of financial statements and GAAP accounting or similar governance
Solid understanding of Credit Policy and procedures
Advanced Microsoft Office (Word, Excel, and PowerPoint) skills
Advanced experience with internal Policies, Standards, Procedures, Templates and financial modeling
Highly effective interpersonal skills with ability to build relationships
Exceptional written and verbal communication skills

Job Responsibility

Assess credit and financial strength of Citi's most complex Large Corporate, Public Sector, and Financial Institutions Clients
Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR)
Continuous monitoring of covered portfolio including industry trends and impacts to key relationships
Review and provide recommendation on risk rating across sector
Partnership with regional and industry stakeholders in credit assessment implementation
Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)

Fulltime

Senior Credit Analyst

Our regional banking client in Edison is seeking a Senior Credit Analyst to join...

Location

United States , Edison

Salary:

Not provided

Robert Half

Expiration Date

Until further notice

Requirements

4+ years of hands-on experience in CRE and C& I lending
Deep understanding of credit policies, loan structuring, and banking regulations
Excellent communication skills, a team-oriented mindset, and the ability to work effectively in a hybrid environment
Strong financial analysis, underwriting, and risk assessment capabilities
proficiency in relevant financial and banking systems

Job Responsibility

Prepare clear and concise credit memos and recommendations for loan committees
Conduct detailed credit analysis, including financial statement reviews, cash flow projections, and risk assessments, for CRE and C& I loan applicants
Collaborate with Relationship Managers and other internal teams to provide tailored solutions for clients
Stay updated on market trends, industry developments, and regulatory changes impacting credit and lending practices

What we offer

Growth-Oriented Culture
Flexibility
Competitive Compensation
medical, vision, dental, and life and disability insurance
401(k) plan

Fulltime

Credit Risk Senior Analyst

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

Location

Philippines , City of Taguig

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software
Analyze program results vs expectations / Develop Strategies and Criteria / Gather data and prepare data for analysis
Bachelor’s/University degree or equivalent experience

Job Responsibility

Provides analysis of a business' financial trends, indicators and other client data for presentation to the Underwriting Manager for further discussion and consideration
Manages the risk associated with new and existing borrowing relationships
Performs spreads of client business financial statements
Creates Customer Accounting Systems’ through Credit Platform
Recognizes potential client risk through early warning systems
Performs periodic financial statement review
Tracks established financial covenants
Monitors compliance to borrowing base credit facility
Accompanies Underwriting Manager on customer site visits (when appropriate)
Compliance with Citibank policies to ensure satisfactory ratings from internal and external auditors

Fulltime

Credit Risk Senior Analyst

The Credit Risk Senior Analyst is a developing professional role. Deals with mos...

Location

Colombia , Bogotá

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software
Analyze program results vs expectations
Develop Strategies and Criteria
Gather data and prepare data for analysis
Bachelor's/University degree or equivalent experience

Job Responsibility

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
Creates Customer Accounting Systems through Credit Platform
Recognizes potential client risk through early warning systems
Performs periodic financial statement review
Tracks established financial covenants
Monitors compliance to borrowing base credit facility
Accompanies Underwriting Manager on customer site visits
Compliance with Citibank policies to ensure satisfactory ratings from internal and external auditors

Fulltime

Underwriting Credit Analyst

Underwriting Credit Analyst is responsible for owning the Credit Risk Analysis f...

Location

Kenya , Nairobi

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Demonstrable financial services experience, including 0-3 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
Ability to understand Citi policies and procedures with the ability to execute change seamlessly
Intermediate analytical skills, including an understanding of key financial components like liquidity position, leverage profile with the ability to identify root causes and trends and anticipate horizon issues
Assists colleagues in identifying stretch opportunities to elevate individual and team performance
Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority
Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
Microsoft Office (Word, Excel, and PowerPoint) skills.

Job Responsibility

Assess the credit and financial strength of Citi’s Corporate Clients based in Sub-Saharan Africa by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
Complete Credit Analysis Write-up Memos and assign internal ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Senior Underwriters, Risk and Banking partners
Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios.

What we offer

Global benefits designed to support your well-being, growth and work-life balance

Fulltime

Credit Risk Senior Analyst

The Credit Senior Analyst is a developing professional role responsible for cred...

Location

Colombia , Bogotá

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Strong English communication skills required (verbal and written)
2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software
extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, financial regulations, financial products, and credit analysis

Job Responsibility

Spread new, renewal, interim financial statements and business/individual tax returns in accordance with bank guidelines
Provide succinct analysis based on customers, peers, the portfolio, and the industry
Provide preliminary analysis of simple to complex credits, including calculation of cash flow, debt service coverage, collateral coverage, and guarantor net worth
Coordinate with the Credit Officers, Credit Analysts, Other Credit Center Staff and Relationship Managers
Act in an advisory role for the Credit Officers/Relationship Managers on loan agreement/covenants clarification and monitoring
Complete quality assurance reviews to ensure application packages and analysis are thorough and accurate prior to forwarding for underwriting
Provide leadership, training, and coaching to Credit Analyst I positions and back up support to the Application Preparation Team Manager
May act as an industry specialist with responsibility for SBA/EXIM loan analysis
Appropriately assess risk when business decisions are made

Fulltime

Credit Risk Senior Analyst

The Credit Risk Intermediate Analyst is a developing professional role that deal...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software
Bachelor's/University degree or equivalent experience
Good understanding of how the team and area integrate with others in accomplishing objectives
Applies analytical thinking and knowledge of data analysis tools and methodologies
Requires attention to detail when making judgments and recommendations
Developed communication and diplomacy skills
Ability to break down information in a systematic and communicable manner

Job Responsibility

Provides analysis of a business' financial trends, indicators and other client data for presentation to the Underwriting Manager
Manages risk associated with new and existing borrowing relationships
Performs spreads of client business financial statements
Creates Customer Accounting Systems through Credit Platform
Recognizes potential client risk through early warning systems
Performs periodic financial statement review
Tracks established financial covenants
Monitors compliance to borrowing base credit facility
Accompanies Underwriting Manager on customer site visits
Compliance with Citibank policies

What we offer

Extensive on-the-job training
Exposure to senior leaders
Traditional learning opportunities
Volunteerism opportunities
Career growth and development

Fulltime

Underwriting Credit Senior Analyst

Citi

Location:
Kenya , Nairobi

Category:
Finance

Contract Type:
Not provided

Salary:

Job Description:

Job Responsibility:

Requirements:

Nice to have:

Additional Information:

Job Posted:
March 04, 2026

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