**The Underwriter is a strategic professional who stays abreast of developments within own field and contributes to directional strategy by considering their application in own job and the business. Recognized technical authority for an area within the business. Requires basic commercial awareness. There are typically multiple people within the business that provide the same level of subject matter expertise. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Significant impact on the area through complex deliverables. Provides advice and counsel related to the technology or operations of the business. Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.** **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.** **Conduct due diligence and prepare a detailed written credit memo on the proposed transaction by performing detailed analysis of the business terms, structural elements, strengths and prevailing risk factors, assets types, compliance with internal underwriting guidelines and rendering a final credit recommendation.** **Perform ongoing and timely reviews of existing transactions.** **Keep abreast of research and developments in industry, product. and rating agency criteria** **Maintain a solid understanding of Citibank products and services - within Financing & Securitization 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's 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.** **Qualifications:** **6-10 years previous credit authority experience within a financial institution and familiarity working in regulatory, compliance, policy environment** **Proven analytical skills including the ability to assess structural components of individual transactions and asset managers' capabilities, strategies and track records.** **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** **Experience with complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting needs.** **Good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources.** **Exercises wide degree of latitude and discretion.** **Provides advice on related to the technology or operations of the business.** **Education:** **Bachelor’s/University degree, Master’s degree preferred** **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 ------------------------------------------------------ **Primary Location:** New York New York United States ------------------------------------------------------ **Primary Location Full Time Salary Range:** $129,840.00 - $194,760.00 In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire. ------------------------------------------------------ **Anticipated Posting Close Date:** Oct 08, 2024 ------------------------------------------------------ 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. Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review **Accessibility at Citi (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)** . View the "EEO is the Law (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/eeopost.pdf) " poster. View the EEO is the Law Supplement (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/OFCCP\_EEO\_Supplement\_Final\_JRF\_QA\_508c.pdf) . View the EEO Policy Statement (http://citi.com/citi/diversity/assets/pdf/eeo\_aa\_policy.pdf) . View the Pay Transparency Posting (https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp\_%20English\_formattedESQA508c.pdf) Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.