Credit Underwriter

Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi’s institutional clients. ICM’s objective is to provide integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise. Within ICM, the Credit Underwriting function (“ICM UW” or “UW”) provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking, Services, and Markets relationships. ICM Credit Analysts are responsible for a portfolio of relationships, owning the production of credit risk analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. This production includes annual reviews, quarterly reviews, and support to ad-hoc transactions and other credit deliverables. A Credit Analyst is expected to have a strong understanding of credit risk, of Cit’s internal policies and procedures, and of being relatively knowledgeable about the industry fundamentals that portfolio belongs to. They should need some supervision from Jr. and Sr. senior UWs, especially on more sensitive and complex credit situations, and be able to carry thoughtful conversations with partners. This role has responsibility for the NAM Diverse Financials portfolio inclusive of Non-Bank Financial Institutions (NBFI), FinTechs and Financial Market Infrastructure (FMI) counterparties.