Commercial Credit Underwriter

2 hours ago


Irving, Texas, United States Citi Full time
Facilitate the end-to-end lending process within the NAM CCB for the assigned relationships and portfolio Rapidly develop knowledge of assigned portfolio and related industries, and create 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 Produce the underlying analysis and workflow supporting 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 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 Facilitate 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 Review and decision work products of peers within the team Lead 1-2 strategic initiative per year that result in efficiency gains and streamline operations Develop and lead 1-2 trainings or knowledge huddles per year for peers Attend periodic meetings regarding covered portfolio clients and select new to bank opportunities in partnership with the Relationship Management teams Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients Mentor and develop more junior staff and other support to become effective resources and future contributors Recommend and champion 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 5+ years of related experience in credit underwriting, portfolio and/ or risk management with a multinational financial services organization Demonstrated knowledge of basic accounting and financial concepts and their 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 Demonstrates learning agility: seeks out resources and experience to continually build knowledge/skills; quickly and successfully applies learning to new situations Highly proficient in spreadsheet, word processing and presentation applications, including strong data visualization skills Bachelor's degree; advanced degree(s) and other certifications considered but not required Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
For complementary skills, please see above and/or contact the recruiter.
Anticipated Posting Close Date: Dec 17,
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