Underwriter - C11 - Mumbai

The Infrastructure Finance (IF) and Clean Energy Finance (CEF) Underwriter will cover large and
complex products globally and will manage the credit review process. The team’s mandate is to
deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Risk
and Banking shared commitment to ensuring the safety and soundness of wholesale lending
across ICM.
The Analyst position is responsible for a portfolio of IF and CEF 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.
The Analyst is expected to have a deep understanding of credit risk, of Citi´s internal policies and
procedures, and of being knowledgeable about the industry fundamentals the portfolio belongs to.
They should need mínimal supervision from their respective Team Leads and be able to carry
thoughtful conversations with Risk and Banking partners.
Key Responsibilities:
Assess the credit and financial strength of Citi’s IF and CEF clients by performing
fundamental credit analysis of counterparties using both quantitative and qualitative
factors. These include performing detailed financial analysis, identifying the strengths and
prevailing risk factors and rendering a final credit recommendation
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 Team Leads, Risk
and Banking partners
Running financial modeling of the IF and CEF clients to provide a view of projected cash
flow profile, including running various stress sensitivities, and Enterprise Valuation
Reviewing and providing recommendation on the risk rating across this sector
Maintain compliance with bank credit policies/practices and regulatory policies to ensure
business unit is in adherence and receives satisfactory ratings from internal and external
auditors.
Qualifications:
Risk & Credit Underwriting:
Well developed analytical skills, including an understanding of key financial statements and
accounting with the ability to identify root causes and trends and anticipate issues
Forms independent opinions on credit and recognizes emerging risks
Demonstrates advanced knowledge of financial statements and GAAP accounting or
similar governance relating to country of operation
Solid understanding of Credit Policy and procedures; Proactively reviews Citi policies and
procedures to benchmark against transactions and work submitted
Demonstrates and executes the ability to identify potential risk issues that need escalation
and escalates them promptly
Leadership:
Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and
eager to do more
Embraces the need for change and appreciates its benefits with natural curiosity
Demonstrates professionalism by being reliable, actively contributing in meetings, asking
questions and challenging ideas
Competencies:
Highly eective interpersonal skills, with the ability to build relationships
Solid organizational skills with ability and willingness to work under pressure and manages
time and priorities eectively
Exceptional written and verbal communication skills, with the ability to communicate
clearly and concisely to audiences of varying levels of seniority
Advanced Microsoft Oice (Word, Excel, and PowerPoint) skills
Advanced experience with Financial Modeling

**Education**:

- MBA Finance, CFA or CA**Job Family Group**:
Risk Management
- **Job Family**:
Credit Decisions
- **Time Type**:
Full time-
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