Credit Underwriting Manager, Institutional Credit Management – Senior Vice President

Citi is seeking a senior Credit Underwriting Manager to lead a team of underwriting analysts within its Institutional Credit Management (ICM) group, a first-line-of-defense function responsible for end-to-end wholesale credit risk management across Citi's institutional client base. In this role, you will own a portfolio of corporate client relationships, drive credit approval decisions, and set the standard for rigorous credit analysis across Corporate Banking, Services, and Markets. This is a high-impact leadership opportunity at the intersection of credit underwriting, risk governance, and client partnership, with direct visibility to senior stakeholders across the firm. ## Responsibilities * Lead the end-to-end credit underwriting process for a portfolio of institutional corporate clients, from early origination through to the preparation and presentation of credit approval memos at senior approval forums. * Review and provide sign-off on financial analysis, due diligence, projection modeling, stress testing, and risk rating assessments completed by junior analysts, ensuring accuracy and alignment with credit standards. * Assess and articulate credit recommendations to Risk in both written and verbal format, clearly communicating risk/return trade-offs associated with transactions and client relationships. * Partner with Front Office teams to structure new transactions and support negotiation of legal documentation, bringing credit expertise to deal origination discussions. * Serve as the primary point of contact for credit-related discussions with internal and external auditors, as well as regulators and control functions. * Manage and develop a team of underwriting analysts, overseeing workload allocation, identifying staffing solutions for urgent deliverables, and leading recruiting and onboarding where required. * Monitor macroeconomic and industry-specific developments relevant to the coverage portfolio and apply those insights to credit reviews and portfolio stress testing. ## Required Qualifications & Skills * 10 or more years of credit risk or credit-related experience within banking or financial institutions, with demonstrated expertise in end-to-end credit underwriting, credit analysis, financial spreading, and credit memo approval. * Ability to independently manage a portfolio of institutional client relationships, including the timely production of annual and quarterly credit reviews and ad-hoc transaction support. * Strong credit risk assessment capability, including the ability to identify issues early, structure solutions, and make well-reasoned recommendations under time pressure. * Solid understanding of capital markets products and complex financing structures, with the ability to evaluate risk assets and risk capital implications in partnership with banking and product teams. * Demonstrated ability to engage effectively with regulators, internal audit, and fundamental credit risk functions, as well as external auditors. * Excellent written and verbal communication skills, with the ability to present clearly and persuasively to senior audiences of varying sizes and backgrounds. * High ethical standards, sound judgment, and the ability to see the broader strategic picture in complex, fast-moving environments. ## Beneficial Skills & Qualifications * Experience covering Real Money Funds or institutional asset management clients within a wholesale credit or institutional banking context. * Exposure to global credit risk management frameworks and cross-border institutional client portfolios. * Established relationships with peers in global banking, risk, or product organizations, with a track record of leveraging cross-functional networks to drive outcomes. ## What We Offer At Citi, you will take on a senior leadership role within a business line that sits at the heart of the firm's wholesale credit governance framework. You will have real ownership, meaningful visibility, and the...