Credit Underwriter

ICM’s objective is to provide 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, greenlight, underwriting, first-line-of-defense credit approval and subsequent credit monitoring across all wholesale credit businesses including Banking, Capital Markets, and Advisory (BCMA), Global Structured Products, Financings, and Securitizations (GSP-F&S), Treasury & Trade Services (TTS), Markets, and Securities Services (MSS).
The Infrastructure Finance (IF) and Clean Energy Finance (CEF) Underwriter will cover large and complex relationships globally and will manage the underwriting process. The IF/CEF Underwriter will be responsible for all underwriting activities including credit memo production and transaction diligence. An Infrastructure Finance and Clean Energy Finance Associate Vice President in ICM-UW will cover various infrastructure assets across the globe via debt and tax equity financing. Interface with and support bankers in underwriting requests for 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
Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions to development of credit approval memos, and senior approval forums
Prepare a detailed written credit analysis of transactions by analyzing the project company, performing detailed financial analysis, identifying the strengths and prevailing risk factors and rendering a final credit decision
Perform credit and financial statement analysis on borrowers, guarantors, and co-borrowers in order to assess debt repayment capacity based on cash flows
Maintain compliance with bank 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 junior 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 fi rm'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.
Relevant experience in infrastructure finance and/or clean energy finance underwriting and/or financial services.
Proven analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry/competitive analysis and projections; Proficient in various spreadsheet and word processing applications (Excel and Word), including the use of graphs and charts and financial analysis software
Bachelor’s/University degree or equivalent experience

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Risk Management
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Credit Risk
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Full time
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Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
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