Job Overview

Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism.

Underwriting (UW) is an integral part of the Institutional Credit Management (“ICM”) organization. UW’s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Corporate Banking and Risk shared commitment to ensuring the safety and soundness of wholesale lending across Citi.
Underwriting Analysist and Associates are responsible for a portfolio of Corporate Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Initial Credit Approvals, Transaction Approvals, Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Portfolio & Industry Reviews and Stress Testing.

In this role, you’re expected to:

• Assess the credit and financial strength of Citi’s Most Complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.
• Complete Credit Analysis write-ups while assigning internal credit risk ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge.
• Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriters, Risk and Banking partners.
• Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios.

As a successful candidate, you’d ideally have the following skills and exposure:

• 0-3 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
• Strong proficiency in English and French (written and verbal). Arabic will be a plus.
• Strong analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues.
• Background on both Corporate and Financial Institutions’ risk analysis will be a plus.
• Advanced industry research capabilities, including risk and key drivers.
• Ability to identify potential risk issues that need escalation and escalates them promptly.

Education:

• Bachelor’s/University degree or equivalent experience