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Structured Credit and Real Estate Underwriting - Assistant Vice President

Job Req Id:
25900948
Location(s):
Mumbai, Maharashtra, India
Job Type:
On-Site/Resident
Posted:
Oct. 22, 2025

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Job Overview

The Assistant Vice President will hold a critical role within the Structured Credit and Real Estate Underwriting (SCREU) team administering a multi-billion dollar portfolio of asset securitization transactions primarily across the ABS and CLO asset classes (including auto, credit card, unsecured consumer loans, middle market, private credit and broadly syndicated loans).  The is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally.

Responsibilities:

  • Conduct comprehensive financial analysis of Commercial Real Estate properties (e.g., multi-family, office, industrial, retail, hospitality) and associated sponsors/borrowers, including historical performance, pro forma projections, rent rolls, operating statements, and balance sheet analysis.

  • Develop and maintain complex financial models (DCF, valuation, sensitivity analysis) specific to various CRE asset types and transaction structures (e.g., acquisition, development, refinance)

  • Prepare well-reasoned and succinct credit approval request memorandums, highlighting key risks, mitigants, and actionable recommendations.

  • Conducts projection modeling, stress testing and other analyses using research and evaluations from a wide variety of sources.

  • Support Senior Underwriters in making recommendations/credit decisions, including risk ratings and regulatory classifications, using both quantitative models and qualitative judgment.

  • Oversees periodic relationship credit monitoring including preparing Annual Reviews (ARs), Quarterly Reviews (QRs), and Criticized Credit Reviews (CCRs), ensuring effective information sharing and timely execution within global time zones.

  • Proactively identify early warning signs of credit deterioration and elevate concerns to senior portfolio managers, proposing corrective actions.

  • Review and validate the quality of financial spreads, reports, and static data updates.

  • Supports the Senior Underwriter and Underwriter during internal reviews (BICR, COBRA, IA) and external regulatory exam responses

  • Prepare executive-level materials and presentations summarizing complex financial analysis and risk assessments.

  • Ensures all transactions are in compliance with regulatory and Citi guidelines, policies and procedures

  • 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 and Experience:

  • 6+ years of relevant experience

  • Previous experience working directly in Commercial Real Estate underwriting or credit preferably in the financial services industry

  • Strong financial modeling experience in Microsoft Excel, including complex financial modeling, data manipulation, and scenario analysis.

  • 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:

  • MBA or CFA or CA 

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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, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

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

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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.

View Citi’s EEO Policy Statement and the Know Your Rights poster.

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