Underwriter

• 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
• assist business unit goals by identification of process improvements and efficiencies
• provide backup support to Credit Underwriting Group Manager, lead projects and initiatives, and mentor lower level Credit Officers as needed.

• 6-10 years 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
• 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
• typically deals 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
• requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources
• exercises wide degree of latitude and discretion.

KICPA or AICPA certification.

• Company benefits as per internal policies
• adherence to equal opportunity employer standards.