Credit Underwriter - Senior Vice President

Single PositionExplore a Career With UsView All JobsHybridCredit Underwriter - Senior Vice PresidentMUMBAI, Mahārāshtra, India No longer accepting applications.Job ID26957982Date posted04/21/2026DepartmentRisk ManagementCiti continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi’s institutional clients. ICM’s objective is to provide integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise. Within ICM, the Credit Underwriting function (“ICM UW” or “UW”) provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking, Services, and Markets relationships.ICM Underwriting Staffers manage a team of UW analysts as well as a portfolio of relationships, being responsible for the continuous monitoring of that portfolio. That includes the production of annual reviews, quarterly reviews, and the support of ad-hoc transactions and portfolio & industry reviews and stress testing, in partnership with Business and Risk.  Key Responsibilities:Executes, aligned with global and regional strategies, all responsibilities regarding underwriting,including, but not limited to:Lead execution of credit approvals, prepares and leads discussions with Risk and escalation within 1LOD; underwriting and monitoring of a portfolio of corporate clients, from early origination discussions to the development of credit approval memos and senior approval forumsUndertake comprehensive review of financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis performed by junior resources (UW analysts)Provide Underwriting sign-off and recommendation for transactions requiring senior approvalHas industry expertise and ability to discuss relevant macro and micro issues within coverage portfolioPartner with Front Office on structuring new transactions and negotiating legal documentation − Build strong working relationships with key partners in Banking, Risk and with key regulators, audit/control functionsLead credit conversation with both internal and external auditors related to coverageManage direct reports, tracks workload and helps to find staffing solutions to bottlenecks and urgent deliverables in cooperation with UnderwritersLead the recruiting and onbaording processes where requiredCultivate and guide analysts, fostering team strengths and address developmental areasRisk Management Experience:Independently monitoring a portfolio of clients including (i) overseeing the timely and accurate production of credit approval memos and transactions and (ii) ability to clearly articulate recommendation to risk on credit reviews in both written and verbal communicationSuperior risk assessment skills, including problem recognition, defining, and structuring of solutions to credit related issues; strong technical skillsExperience in and exposure to global credit risk management standardsAbility to understand capital markets products and complex financing and product structuresAbility to provide strategic insights and strong sensitivity to macro and regulatory issuesAble to discuss and address issues associated with the allocation of risk assets and risk capital in partnership with banking and product organizationsClient Relationships / Business Partnership:Strong understanding of capital markets products and complex financing and product structuresNavigates organizational complexity and breaks silosCreates and sustains a network of strong partnerships with the business in all segments geographies and other risk functionsProvides well-reasoned, balanced assessments of risk/return trade-offs...