Credit Underwriter, Commercial Banking

Discover your future at Citi

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Job Overview

Citi is looking for a Credit Underwriter to join the Commercial Lending Management team in Mexico City, where you will assess and manage credit risk across a diversified portfolio of commercial banking clients. In this role, you will support the full credit lifecycle, from initial transaction analysis through approval, documentation, and ongoing portfolio monitoring, working alongside senior Credit Officers, Relationship Managers, and regional stakeholders. This is a strong opportunity for an experienced credit professional to deepen institutional credit expertise within Commercial Lending Management and grow toward senior credit leadership at a global financial institution.

Responsibilities

• Lead end-to-end credit underwriting across a portfolio of commercial banking clients, from initial transaction discussions through formal credit approval, as part of the Commercial Lending Management team.
• Prepare, review, and manage Credit Approval Memoranda, ensuring each submission meets quality, completeness, and policy standards.
• Conduct financial statement analysis, cash flow projections, stress testing, risk ratings, and industry assessments to support sound credit decisions.
• Produce and maintain annual and quarterly credit reviews for assigned portfolio accounts, ensuring timely and accurate coverage.
• Monitor covenant compliance, credit exposure, and early warning indicators to proactively identify and escalate emerging portfolio risks.
• Partner with Relationship Managers, Independent Risk, Compliance, and Internal Audit teams to support new transactions, renewals, amendments, and ad-hoc credit requests.
• Apply global credit risk standards within the context of local market conditions and regulatory requirements, contributing to Commercial Lending Management's overall risk discipline.
• Provide technical guidance and analytical support to junior team members, contributing to a high-performing underwriting environment.

Required Qualifications & Skills

• Five to eight years of experience in credit underwriting, credit risk, or corporate and commercial banking, with demonstrated ability to assess complex credit transactions.
• Advanced English proficiency, both written and verbal, to engage effectively with regional and global teams and stakeholders.
• Solid foundation in financial analysis, including the ability to evaluate financial statements, build cash flow projections, and apply credit assessment methodologies.
• Capacity to assess industry dynamics, borrower risk profiles, and transaction structures across a range of commercial banking sectors.
• Bachelor's degree in Finance, Economics, Accounting, or a related field, or equivalent professional experience.

What We Offer

At Citi, you will work within the Commercial Lending Management team, a high-performing function where credit expertise, analytical rigor, and professional development are central to how we operate. This role offers meaningful exposure to institutional credit at a regional and global scale, within a collaborative environment focused on delivering strong outcomes for clients and the business.

• Hybrid working model with three days in the office and two days working remotely each week.
• Regional and global exposure through collaboration with Citi teams and clients across markets.
• A clear path toward senior credit leadership roles within Commercial Lending Management and the broader Citi network.
• Access to learning and development resources to strengthen technical credit and financial skills.
• A performance-driven environment where your analytical work directly influences credit decisions and client outcomes.
• Wellbeing and work-life balance support as part of Citi's broader employee value proposition.

Apply today to bring your credit expertise to Commercial Lending Management at one of the world's leading financial institutions and shape the quality of commercial banking decisions across a global portfolio.

•Working Environment: office setting, minimal travel required.
• Effort: minimal physical effort required.

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Job Family Group:

Risk Management

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Job Family:

Credit Risk

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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