Underwriter

The Infrastructure Finance (IF) and Clean Energy Finance (CEF) Underwriter role involves managing credit review processes for large and complex products on a global scale. The primary objective of the team is to provide top-notch credit risk analysis, monitoring, and credit administration in collaboration with Risk and Banking teams to uphold the safety and stability of wholesale lending within ICM. As an Analyst in this position, you will be accountable for a portfolio of IF and CEF Relationships. Your responsibilities include conducting Credit Risk Analysis for these relationships, continuously monitoring the portfolio, preparing Annual Reviews, Quarterly Reviews, offering support for Ad-Hoc Transactions, Portfolio & Industry Reviews, and Stress Testing. A key aspect of the role is to possess a profound understanding of credit risk, Citis internal policies, procedures, and industry fundamentals related to the portfolio while being able to engage in meaningful discussions with Risk and Banking partners with minimal supervision from Team Leads. Key Responsibilities: - Evaluate the credit and financial strength of Citis IF and CEF clients through detailed credit analysis using quantitative and qualitative factors to make credit recommendations. - Prepare Credit Analysis Write-up Memos and Final Obligor Risk Ratings based on independent assessments and due diligence of clients to ensure appropriate credit extensions within Risk appetite. - Continuously monitor the portfolio, track industry trends, assess impacts on key relationships, and escalate potential credit issues to Team Leads, Risk, and Banking partners. - Conduct financial modeling of IF and CEF clients to project cash flow profiles, run stress sensitivity analyses, and Enterprise Valuations. - Review and provide risk rating recommendations across the sector. - Ensure compliance with bank credit and regulatory policies to maintain adherence and receive satisfactory ratings from internal and external auditors. Qualifications: Risk & Credit Underwriting: - Proficient analytical skills with the ability to interpret financial statements, identify trends, anticipate issues, and form independent credit opinions. - Advanced knowledge of financial statements, GAAP accounting, and Credit Policy and procedures. - Ability to promptly identify and escalate potential risk issues. Leadership: - Demonstrate commitment, positive attitude, reliability, and eagerness to contribute within the team. - Embrace change, display curiosity, professionalism, and active participation in meetings. Competencies: - Strong interpersonal skills, organizational abilities, and effective time management. - Excellent written and verbal communication skills to convey information clearly and concisely. - Proficiency in Microsoft Office (Word, Excel, PowerPoint) and Financial Modeling. Education: MBA Finance, CFA or CA The job falls under the Risk Management family group and the Credit Decisions job family, requiring full-time engagement. For individuals with disabilities needing accommodations to access search tools or apply for career opportunities, review Accessibility at Citi. View Citis EEO Policy Statement and the Know Your Rights poster for further details.,