Underwriter - C12 - Mumbai

Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a new function in the 1st Line of Defense, to house and consistently manage credit risk activities performed across its Institutional Client Group organization. ICM provides integrated “end-to-end” credit underwriting, identification, measurement, management, and monitoring for wholesale credit risk across the enterprise. Within ICM, the Credit Underwriting function (ICM-UW) provides analysis, underwriting, first-line-of-defense credit approval and subsequent credit monitoring.

**Responsibilities**:

- Ensure Credit Approval Memo (CAM) packages are complete, accurate and thoroughly documented.
- Support Senior Underwriters in making recommendations/credit decisions, including risk ratings and regulatory classifications.
- Conduct in-depth analyses of financial data and other information provided by clients.
- Conduct projection modeling, stress testing and other analyses using research and evaluations from a wide variety of sources.
- Assess deal strengths, weaknesses and risk factors.
- Ensure all transactions are follow regulatory and Citi guidelines, policies and procedures.
- Remain current on all aspects of the credit relationship, including exposure, compliance, and potential credit concerns.
- Oversee periodic relationship credit monitoring including Annual Reviews (ARs), Quarterly Reviews (QRs), and Criticized Credit Reviews (CCRs).
- Inform bankers of any deterioration in operating performance based on financial reporting.
- Support Senior Underwriters during internal reviews (FCR, COBRA, IA) and external regulatory exam responses.
- Ensure to be fully conversant on safe and sound risk practices within Real Estate Credit including all policies, procedures, laws, regulations and risk limits specific to their Portfolio.

**Qualifications**:

- 5-8 years relevant experience.
- Previous experience working in Residential Real Estate underwriting or credit preferably in the financial services industry.
- Strong familiarity with rating agency methodologies, preferably in securitizations and non-bank financial institutions.
- Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency.
- Highly organized and able to work in a fast-paced environment managing multiple projects and possess effective interpersonal, organizational and analytic skills.
- Solid organizational skills with ability and willingness to work under pressure and manage time and priorities effectively with little to no supervision.
- Highly effective written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority.

**Education**:

- Bachelor’s/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
- **Job Family Group**:
Risk Management
- **Job Family**:
Credit Decisions
- **Time Type**:
Full time
- Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

View the "**EEO is the Law**" poster. View the **EEO is the Law Supplement**.

View the **EEO Policy Statement**.

View the **Pay Transparency Posting