Full-Time

Underwriter

VP

Posted on 4/7/2025

Citigroup

Citigroup

10,001+ employees

Global financial services and banking solutions

No salary listed

Senior, Expert

London, UK

Category
Risk Management
Finance & Banking
Required Skills
Word/Pages/Docs
Excel/Numbers/Sheets
Requirements
  • Previous 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; including complicated business structures with foreign subsidiaries and/or parent organizations.
  • 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.
Responsibilities
  • 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 individuals, 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 Small Business/Commercial Banking and the broader organization.
  • Maintain compliance with Citibank credit policies/practices and regulatory policies, to ensure business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors.
  • Assists business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels. Work with management team on prioritization and implementation of approved actions.
  • Provide backup support to Credit Underwriting Group Manager, lead projects and initiatives and mentor lower level Credit Officers as needed.
  • 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, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
Desired Qualifications
  • Master’s degree preferred

Citigroup provides a variety of financial services to individuals, businesses, and governments around the world. Its main offerings include consumer banking, credit services, corporate and investment banking, securities brokerage, and wealth management. The company operates in over 160 countries, allowing it to facilitate cross-border transactions and serve a diverse clientele. Citigroup's products work by providing loans, managing investments, and offering banking services that help clients manage their finances effectively. What sets Citigroup apart from its competitors is its extensive global network and focus on technological advancements that enhance the banking experience. The company's goal is to create a positive impact on society while achieving growth and profitability through its commitment to sustainability and social responsibility.

Company Size

10,001+

Company Stage

IPO

Headquarters

New York City, New York

Founded

1812

Simplify Jobs

Simplify's Take

What believers are saying

  • Strategic investment in Supra boosts Citi's influence in Colombian fintech market.
  • Citi's participation in Omnidian's funding supports growth in clean energy and EV infrastructure.
  • Proxymity investment enhances transparency and efficiency in investor communications globally.

What critics are saying

  • Competition from fintechs like Wagestream challenges Citi's consumer banking segment.
  • Supra's growth projections may not materialize, impacting Citi's investment returns.
  • Clean energy market volatility poses risks to Citi's investments in Omnidian.

What makes Citigroup unique

  • Citi's global presence spans over 160 countries, offering unmatched financial services reach.
  • Investment in Supra enhances SME foreign trade through advanced tech infrastructure in Colombia.
  • Citi Impact Fund supports clean energy initiatives, aligning with ESG goals and innovation.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

401(k) Retirement Plan

401(k) Company Match

Wellness Program

Paid Vacation

Paid Sick Leave

Paid Holidays

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

-5%

2 year growth

-5%
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