커머셜신용분석부 Underwriter
The Underwriter - C14 is a strategic professional who closely follows latest trends in own field and adapts them for application within own job and the business. Typically, a small number of people within the business that provide the same level of expertise. Excellent communication skills required in order to negotiate internally, often at a senior level. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Accountable for significant direct business results or authoritative advice regarding the operations of the business. Necessitates a degree of responsibility over technical strategy. Primarily affects a sub-function. Responsible for handling staff management issues, including resource management and allocation of work within the team/project.
Responsibilities:
- Assist bankers and Underwriters in underwriting requests for credit extensions for new and existing clients, and in the writing of annual reviews with focus on more complex and higher dollar exposure transactions.
- Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information
- Perform collateral analysis on accounts receivable, inventory, machinery and equipment and real estate in order to evaluate collateral performance and changes in trends, as well as to assess repayment capacity based secondary sources of repayment.
- Prepare monthly and/or quarterly reviews of existing borrowers in order to track compliance with various loan covenants as outlined in the loan Agreement.
- Build a solid understanding of Citibank products and services within Commercial Banking and the broader organization.
- Coordinate with bankers on customer calls and site visits, when appropriate.
- Perform industry and geographical research and other due diligence as needed.
- Be familiar with Citibank credit policies and practices and regulatory policies, to assist unit in achieving compliance with the above and satisfactory ratings from internal and external auditors.
- Provides training for less experienced credit officers and other credit center staff in application processing, credit analysis and loan closing roles.
- Provide backup to the team manager in workflow distribution and monitoring as needed.
- Recommend changes to process to achieve greater efficiency.
- Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
Qualifications:
- 10+ years of experience
- Bachelor's degree in finance or accounting (preferred) - previous experience working in a financial institution with additional experience in a loan officer or underwriting role. (credit trained a plus)
- Advanced analytical skills including the ability to read and assess company financial statements, cash flow, industry and competitive analysis and projections
- Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
- Excellent organizational skills, attention to detail, and the ability to complete assignments in a timely manner
- Effective written and verbal communication skills
- Problem recognition and resolution skills
- Ability to work autonomously and within a team
- Proficient in various spreadsheet and word processing applications (Excel and Word are preferred), including the use of graphs and charts, and Moody's financial analysis software
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.
본 채용과 관련한 상세 사항에 대해서는 아래를 참고 부탁드립니다.
채용부문: 커머셜신용분석부 Underwriter
직무목표
- 중견 기업금융 고객 차주의 신용도 및 리스크 분석 업무 수행을 통한 비즈니스 목표 달성 지원
- 상시 신용 모니터링을 통한 조기 경보 탐지 및 포트폴리오의 건전한 신용도 유지
- 신규 고객의 유치 및 적시 신규 여신 제공을 위한 지속적인 사업, 재무 및 리스크 분석 제공
주요 업무 및 책임
- 기존/신규 고객에 대한 연례/비 정기 여신심사보고서 준비 및 작성
- 조기 경보 제도(EW) 및 요주의 이하 여신 검토(CCR)를 통한 상시 신용 모니터링
- 고객기업의 사업 실적과 재무제표 분석, 실적 추정, 차주신용등급산정
- 분기별 책임자 통제 평가(MCA) 테스트 실시, 수시 스트레스 테스트 실시
- 리스크 및 기업금융 전반에 대한 대내외 제반 법규, 규정 준수
자격요건
- 유관 경력 5년 이상
- 신용 및 재무 분석에 대한 지식
- 회계, 산업, 경제 및 법률에 대한 지식
- KICPA 또는 AICPA 우대
근무조건
- 고용형태: 전문직
- 급여 및 복지조건 : 회사 내규에 따름
- 근무지역 : 서울 종로구 새문안로50, 한국씨티은행 본점
전형절차
- 서류전형 > 면접전형 > 사전점검/채용검진 > 최종합격
- 전형일정 및 각 전형 별 합격발표는 이메일을 통하여 면접 대상자에게 개별 안내 드립니다.
접수 방법 및 기간
- 지원방법 : 당행 채용 site 접속하여 온라인 지원
- 제출서류 : 영문이력서 1부
- 접수기간 : 채용시까지
- Rolling Base 인터뷰 진행 (지원서가 접수된 순서대로 검토하며, 채용후보자가 조기에 선발되는 경우 접수기간 중이라도 채용 공고 종료 가능함)
유의사항
- 구직자 본인의 용모, 키, 체중, 출신지역, 혼인여부, 재산과 구직자 본인의 직계 존비속 및 형제자매의 학력, 직업, 재산의 정보는 기재하지 마시기 바랍니다. (채용절차의 공정화에 관한 법률 제4조의 3)
- 온라인을 통해 접수한 이력서는 반환하지 않습니다. (채용절차의 공정화에 관한 법률 제11조)
- 부정한 행위(예: 채용청탁 등)를 통해 합격한 사실이 확인된 경우, 합격이 취소될 수 있으며 향후 채용에 제한이 있습니다.
- 장애인/보훈대상자의 경우 서류전형에서 우대
- - 장애인은 ‘장애인복지법 시행령’ 제2조에 따른 장애인 기준에 해당하는 자 또는 ‘국가유공자등 예우 및 지원에 관한 법률 시행령’ 제14조 제3항에 따른 상이등급 기준에 해당하는 자를 말합니다.
- - 보훈대상자는 ‘국가유공자 등 예우 및 지원에 관한 법률’등에 의한 취업지원 대상자를 말합니다.
- - 지원 시, 해당 사실을 증빙할 수 있는 서류를 추가 제출 바랍니다. (개인정보 마스킹 필수)
- 문의: 한국씨티은행 인사지원부 (ckirecruitment@citi.com)
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Job Family Group:
Risk Management------------------------------------------------------
Job Family:
Credit Decisions------------------------------------------------------
Time Type:
Full time------------------------------------------------------
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