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Vice President - Real Estate Underwriting

https://www.citi.com/ Logo

Citi

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Location:
Philippines , Taguig City

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Category:

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Contract Type:
Not provided

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Salary:

Not provided

Job Description:

The Underwriter is a strategic professional who stays abreast of developments within own field and contributes to directional strategy by considering their application in own job and the business. Recognized technical authority for an area within the business. Requires basic commercial awareness. There are typically multiple people within the business that provide the same level of subject matter expertise. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Significant impact on the area through complex deliverables. Provides advice and counsel related to the technology or operations of the business. Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.

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
  • 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 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 Corporate Loan Portfolio (Real Estate) and the broader organization
  • Maintain compliance with Citibank credit policies/practices and regulatory policies
  • Assists business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels
  • Provide backup support to Credit Underwriting Group Manager, lead projects and initiatives and mentor lower level Credit Officers as needed
  • Reviewer of credit application memos and to provide guidance to the analysts
  • Other duties as required to support business unit and company goals
  • Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup

Requirements:

  • 8-15 years previous credit analysis and credit authority 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
  • Strong ability to analyze complex credits with risk and mitigant
  • Preferably with Real Estate analysis experience
  • 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
  • Bachelor’s/University degree, Master’s degree preferred
What we offer:
  • Programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling
  • Expanded Paid Parental Leave Policy
  • Access to an array of learning and development resources
  • Variety of programs that help employees balance their work and life, including generous paid time off packages
  • Resources and tools to volunteer in the communities

Additional Information:

Job Posted:
March 01, 2026

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

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