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Wholesale Credit Underwriter

India, Mumbai · Job Posted March 20, 2026
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Job Description

Credit Risk Associates are responsible for a portfolio of Institutional Credit Management Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio & Industry Reviews and Stress Testing. This role has responsibility for the portfolio of Transportation and Industrial relationships.

Job Responsibility

  • Assess the credit and financial strength of Citi’s most complex Large Corporate Clients (Western Europe) by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
  • Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Counterparties 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 various teams and partners
  • Reviewing and providing recommendation on the risk raking across this sector
  • Partnership with applicable regional and industry stakeholders in the implementation of credit assessment and monitoring standards for applicable portfolios
  • Support Voice of the Employee (VOE) initiatives
  • Travel (less than 10%)

Requirements

  • Demonstratable financial services experience, including 6-10 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
  • Strong knowledge of Wholesale Credit Processes and organizational awareness including Institutional Credit Management functions, covered portfolios, and processes
  • Sound understanding of policies and procedures with the ability to execute change seamlessly
  • Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks
  • Solid and thorough knowledge of Citi´s systems
  • Experience in preparing presentations for seniors
  • Full awareness and adherence to the control environment including Quality Assurance and Quality Control
  • Assists colleagues in identifying stretch opportunities to elevate individual and team performance
  • Coach and mentor analysts to develop team strengths and improve weaknesses
  • Proven culture carrier
  • Well-developed interpersonal skills, with the ability to build relationships and exert influence with and without direct authority
  • Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
  • Clear written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
  • Good Microsoft Office (Word, Excel, and PowerPoint) skills
  • BA/BSc or higher degree in Business (MBA), or any other related subject
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