Institutional Credit Management (ICM), provides integrated “end-to-end” credit underwriting, identification, measurement, management, and monitoring for wholesale credit risk across the enterprise.  Within ICM, the Credit Underwriting function (ICM-UW) provides analysis, underwriting, first-line-of-defense credit approval and subsequent credit monitoring. The Underwriter is a seasoned professional role. + Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and workflow for the area or function. + Integrates subject matter and industry expertise within a defined area. + Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. + Evaluates moderately 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 situations using multiple sources of information. + Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. + Strong communication and diplomacy skills are required. + Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. + Work and performance of all teams in the area are directly affected by the performance of the individual.Responsibilities: + Ensures Credit Approval Memo (CAM) packages are complete, accurate and thoroughly documented + Support Senior Underwriters in making recommendations/credit decisions, including riskratings and regulatory classifications + Conducts in-depth analyses of financial data and other information provided by the client + Conducts projection modeling, stress testing and other analyses using research and evaluations from a wide variety of sources + Assesses deal strengths and weaknesses and risk factors + Ensures all transactions are in compliance with regulatory and Citi guidelines, policies and procedures + Remains current on all aspects of the credit relationship, including exposure, compliance, and potential credit concerns + Oversees periodic relationship credit monitoring including Annual Reviews (ARs), Quarterly Reviews (QRs), and Criticized Credit Reviews (CCRs) + Notifies bankers of any deterioration in operating performance based on financial reporting + Supports the Senior Underwriter and Underwriter during internal reviews (BICR, COBRA, IA) and external regulatory exam responses + Expected to be fully conversant on safe and sound risk practices within Real Estate Credit including all policies, procedures, laws, regulations and risk limits specific to their Portfolio + Qualifications: + Relevant experience in underwriting + Previous experience working directly in Commercial Real Estate underwriting or credit 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 and possess effective interpersonal, organizational and analytic skills + Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively with little to no supervision + Highly effective written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority Education: + Bachelor’s/University degree or equivalent experience This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. ------------------------------------------------------ **Job Family Group:** Risk Management ------------------------------------------------------ **Job Family:** Credit Risk ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ **Most Relevant Skills** Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ **Other Relevant Skills** For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ _Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._ _If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review_ _Accessibility at Citi (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)_ _._ _View Citi’s_ _EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy)_ _and the_ _Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)_ _poster._ Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.