Real Estate Underwriting - Officer, Citi

Citi

Location:
India, Mumbai

Category:
Finance

Contract Type:
Employment contract

Salary:

Not provided

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Job Description:

The Underwriter – C11 is an intermediate level role requiring in-depth knowledge of credit risk management and financial analysis. It involves evaluating complex issues, preparing detailed credit summaries, and ensuring compliance with Citibank credit policies.

Job Responsibility:

Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients
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

Requirements:

2-5 years relevant experience
Degree in Quantitative Fields such as Economics, Engineering, Operations Research, Business Finance, or Mathematics
Previous experience in credit risk management or equivalent training and experience preferably in the financial services industry
Ability to apply credit and risk principles toward business goals
Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency
Must be highly organized and able to work in a fast-paced environment managing multiple projects
Possess effective interpersonal, organizational and analytic skills

What we offer:

Equal opportunity policies
Global benefits supporting well-being, growth, and work-life balance

Additional Information:

Job Posted:
September 03, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Real Estate Underwriting - Officer