Shape your Career with Citi Working at Citi is far more than just a job A career with us means joining a team of more than 230 000 dedicated people from around the globe At Citi you ll have the opportunity to grow your career give back to your community and make a real impact We re currently looking for a high caliber qualified to join our team as Commercial Bank Underwriter Credit Analyst Non-Officer based in Mumbai India This role covers mainly the North Asia Market and is part of the Commercial Lending Management Unit that falls under the Institutional Credit Management ICM umbrella ICM is an in-business first line of defense 1LoD function within Citi dedicated to end-to-end wholesale credit risk WCR management ICM covers numerous products clusters and lines of businesses LoBs - all while providing the controls and support necessary to help reduce Citi s risks In this role you re expected to Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures credit risk policy guidelines and standards Provide preliminary analysis of simple to complex credits including calculation of cash flow debt service coverage collateral coverage and guarantor net worth Prepare a detailed written credit summary of commercial borrowers requesting credit by analyzing the business interpreting the financing need identifying the strengths and prevailing risk factors and rendering a final credit decision Perform detailed financial analysis on companies including trend and ratio analysis and interpret the financial information Perform credit and personal corporate financial statement analysis on individuals guarantors and co-borrowers in order to assess repayment capacity based on cash flow statements tax returns and statements Perform industry and geographical research and other due diligence as needed Maintain a solid understanding of Citibank products and services - within the Commercial Bank and the broader organization Maintain compliance with Citibank credit policies practices and regulatory policies to ensure business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors 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 1 - 3 years prior experience in credit risk management or equivalent training and experience preferably in the financial services industry The ideal candidate must have extensive knowledge of Generally Accepted Accounting Principles GAAP accounting financial regulations financial products and credit 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 Bachelor s University degree or equivalent experience This job description provides a high-level review of the types of work performed Other job-related duties may be assigned as required Working at Citi is far more than just a job A career with us means joining a family of more than 230 000 dedicated people from around the globe At Citi you ll have the opportunity to grow your career give back to your community and make a real impact Take the next step in your career apply for this role at Citi today Job Family Group Risk Management Job Family Credit Risk Time Type Full time 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 Other Relevant Skills For complementary skills please see above and or contact the recruiter 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 View Citi s and the poster