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
Connection
Connection
Connection
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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 offerings include consumer banking, credit, 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 leveraging its extensive global network and technology to provide efficient banking solutions, generating revenue through interest on loans, service fees, trading, and investment management. What sets Citigroup apart from its competitors is its strong focus on sustainability and social responsibility, as demonstrated by its investments in environmental, social, and governance (ESG) initiatives. The company's goal is to create a positive financial and social impact while achieving growth and profitability.

Company Size

10,001+

Company Stage

IPO

Headquarters

New York City, New York

Founded

1812

Simplify Jobs

Simplify's Take

What believers are saying

  • Citi's investment in Supra enhances its technological capabilities in Latin America.
  • Participation in clean energy funding aligns Citi with global ESG trends.
  • Citi's involvement in maritime financing strengthens its position in global trade financing.

What critics are saying

  • Competition from fintechs like Supra could challenge Citi's market share in Colombia.
  • Large-scale debt syndicates expose Citi to shipping industry risks.
  • Investments in clean energy may face financial risks from regulatory changes.

What makes Citigroup unique

  • Citi operates in over 160 countries, offering a vast global network.
  • The company invests heavily in ESG initiatives, aligning with global sustainability trends.
  • Citi leverages technological innovations to deliver efficient banking solutions.

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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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