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Citi · 1 day ago

Commercial Credit Underwriter - Vice President

Jacksonville Florida United States

Full-time

Hybrid

Mid, Senior Level

$104K/yr - $156K/yr

6+ years exp

Citi is a multinational financial services organization, and they are seeking a Commercial Credit Underwriter to manage credit risk associated with various lending products. The role involves credit underwriting, due diligence, and ongoing credit oversight of lending portfolios, while also mentoring junior staff and ensuring compliance with credit policies.

BankingFinanceFinancial Services

H1B Sponsor Likely

Responsibilities

Facilitate the end-to-end lending process within the US CCB for the assigned relationships and portfolio

Knowledgeable of assigned portfolio and industry, and able to articulate and support a credit view based on well-supported analysis that effectively balances risk and business objectives

Ensure appropriate regulatory classification and minimizing net credit losses for covered portfolio, as well as identify emerging areas of concerns that should be escalated

Provide accountability for decisioning using credit covering approval authority in tandem with Independent Risk

Directly manage the analysis and workflow of underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, including the related diligence

Lead the timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio

Direct and supervise the loan documentation process for both new transactions and amendments or modifications; including coordination with internal partners and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents

Conduct periodic client calls on all portfolio clients and select new to bank opportunities in partnership with the Relationship Manager

Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients

Mentor and develop junior staff to become effective resources and future Credit Officers and Bankers

Recommend changes to improve existing processes to achieve greater efficiency and controls

Work proactively, and in a constructive and diplomatic manner, with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls

Qualification

Credit UnderwritingRisk ManagementFinancial AnalysisAccountingCredit Products KnowledgeLearning AgilitySpreadsheet ProficiencyWord Processing ProficiencyCommunicationOrganizational SkillsDecision Making

Required

6-10 years of experience in credit underwriting, portfolio and/ or risk management with a large multinational financial services organization

Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process

Excellent communication (written, verbal, presentation and listening) and organizational skills; ability to complete multiple priorities in a timely manner

Strong credit sense and ability to articulate a view, work across a range of credit products, with experience in early problem recognition and resolution skills

Demonstrates learning agility: Seeks out resources and experience to continually build knowledge/skills; quickly and successfully applies learning to new situations

Reaches decisions in a timely and transparent manner, knows when enough information has been collected to make sound decisions, takes calculated risks with the confidence to defend their credit view

Proficient in various spreadsheet and word processing applications

Bachelor's/University degree Economics, Accounting, Finance, Mathematics, Data Science, Business, Engineering, Computer Science, or other quantitative field

Preferred

Master's degree preferred

Benefits

Medical, dental & vision coverage

401(k)

Life, accident, and disability insurance

Wellness programs

Paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays

Company

Citi

Glassdoor3.8

Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress.

Founded in 1812

San Antonio, Texas, USA

10001+ employees

https://www.citi.com

H1B Sponsorship

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