Consumer, Retail & Healthcare Underwriter

Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a new function in the 1st Line of Defense, to house and consistently manage credit risk activities performed across its Institutional Client Group organization. ICM’s objective is to provide 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, greenlight, underwriting, first-line-of-defense credit approval and subsequent credit monitoring across all ICG wholesale credit businesses including Banking, Capital Markets, Treasury & Trade Services and Markets

A Consumer Retail & Healthcare Underwriter in Corporate Developed Markets covers large and complex relationships within North America (NAM), being responsible for all underwriting activities in partnership with Corporate Banking and Risk. This role reports directly to Head of Consumer Retail & Healthcare Underwriting in ICM-UW Corporate Developed Markets. 

Responsibilities: 

• ,All responsibilities regarding underwriting, including, but not limited to: 
• Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions to development of credit approval memos and senior approval forums 
• Ensure Credit Approval Memo packages are complete and accurate. 
• Conduct detailed reviews of financial data, projection modeling, stress testing, and other in-depth analysis performed by junior resources. 
• Facilitate relationships with key clients in Banking and Risk, along with key regulators, Internal Audit, Banking & International Credit Risk and other control functions.  
• Review and address issues associated with the allocation of risk assets and risk capital in partnership with banking and product organizations.   
• Support the ICM Underwriting Industry Head on strategic initiatives/projects. 
• Support VOE initiatives  

Client Relationships / Business Partnership: 

• Proven ability to understand nuances of local markets, local regulation, and the capabilities and practices of competitors. 
• Navigates organizational complexity and breaks silos. 
• Creates and sustains a network of strong partnerships with the business in all segments & geographies and other risk functions. 
• Approaches transactions and client relationships with a solutions-oriented mindset while providing well-reasoned, balanced assessments of risk/return trade-offs.  
• Proven track record of partnering with global peers in leveraging and implementation of best practices. 

Qualifications: 

• 7+ years of relationship banking or credit risk/risk-related work experience in banking/financial institutions 
• Experience in effectively engaging with internal control functions including Internal Audit and Fundamental Credit Risk.  

• Experience in and exposure to global credit risk management standards  
• Knowledge in understand capital markets products and complex financing and product structures.  
• Experience in providing strategic insights and strong sensitivity to macro and regulatory issues, and impact of such issues on the various Risk families, including operational and franchise risks.  
• Demonstrates strong ethics and integrity. 

• Ability to understand the ‘big picture’ in a complex environment.  
• Strong verbal & written communication skills. Active listening skills.   
• Demonstrated influencing and negotiating ability, resolve conflicts amongst various constituencies. 
• Advanced presentation skills – adept at presenting effectively to audiences of various sizes and various constituencies. 

Education:

• Bachelor’s/University degree, Master’s degree preferred

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

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In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

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