The Underwriter is a strategic skilled who stays abreast of developments within own field and contributes to directional strategy by considering their application in own job and the business. Recognized technical authority for an area within the business. Requires basic commercial awareness. There are typically multiple people within the business that provide the same level of subject matter expertise. 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. Significant impact on the area through complex deliverables. Provides advice and counsel related to the technology or operations of the business. Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.
Ensure Credit Approval Memo (CAM) packages are complete, accurate and thoroughly documented.
Support Senior Underwriters in making recommendations/credit decisions, including risk ratings and regulatory classifications.




Conduct in-depth analyses of financial data and other information provided by clients.
Conduct projection modeling, stress testing and other analyses using research and evaluations from a wide variety of sources.
Assess deal strengths, weaknesses and risk factors.
Ensure all transactions are follow regulatory and Citi guidelines, policies and procedures.
Remain current on all aspects of the credit relationship, including exposure, compliance, and potential credit concerns.
Oversee periodic relationship credit monitoring including Annual Reviews (ARs), Quarterly Reviews (QRs), and Criticized Credit Reviews (CCRs).
Inform bankers of any deterioration in operating performance based on financial reporting.
Support Senior Underwriters during internal audits and external regulatory exam responses.
Conversant on safe and sound risk practices within Real Estate Credit including all policies, procedures, law

📌 Credit Risk Securitization (Goregaon)
🏢 Citi
📍 Goregaon