Assistant Vice President - Leverage Finance Underwriting - Mumbai

Job Description
The Global Leveraged Finance Underwriting Credit Team (“LFU”) within Institutional Credit Management
(“ICM”) is seeking an Associate to join its Credit Assessment team. The Associate is an intermediate level
professional with the goal to deliver best-in-class credit risk analysis, monitoring and credit administration as a
partner to broader ICM Underwriting and Banking, Capital Markets and Advisory’s (BCMA) shared
commitment to ensuring the safety and soundness of wholesale lending across ICG. The Associate will work
with the rest of the LFU team to lead a best-in-class Leveraged Lending Underwriting organization with the
primary goal of materially enhancing Citi’s end-to-end Leveraged Lending credit management process.
Associates will be responsible for writing Annual Reviews and Quarterly Reviews, and for supporting LFU
Underwriters on transactions.
Associate Role and Responsibilities:
 Assess the credit and financial strength of Citi’s most complex Large Corporate Clients by performing
fundamental credit analysis of counterparties using both quantitative and qualitative factors
 Monitor the covered portfolio, including following industry trends, impacts to key relationships, and
escalation of potential credit issues to LFU Underwriters, Risk and BCMA partners
 Evaluate and gain a strong understanding of clients' business model, financial performance, and key
credit drivers across various industries, through both due diligence process as part of transactions and
ongoing credit monitoring responsibilities
 Assess the borrower’s cash flow profile by building projection models used in assigning a regulatory
rating and driving decision on the extension of credit to highly levered obligors
 Provide analytical support across LFU’s core functions: (1) Leveraged Lending transaction origination
and credit approval; (2) portfolio management and early problem recognition; (3) global leveraged
lending related projects and strategic initiatives
Qualifications:
 6-9 years of credit analysis, origination, or relevant credit experience
 Well-developed analytical skills, including an understanding of key financial components (liquidity
position, leverage profile) with the ability to form independent opinions on credit and recognize
emerging risks
 Team player with strong work ethic who also works well with others at all levels and can coach and
mentor analysts
 Strong organizational skills with ability and willingness to work under pressure and manages time and
priorities effectively
 Advanced knowledge of Microsoft Word, Excel, and PowerPoint
 Three statements financial modeling experience
 Ability to take on demanding responsibilities and work independently, while juggling multiple tasks at
one time effectively manage deadlines and juggle multiple tasks at once
 Awareness and adherence to the control environment including Quality Assurance and Quality
Control
Education:
MBA or CFA or CA

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