Underwriting Credit Associate / Avp / Institutional Credit Management (Hybrid)

Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a new function in the 1st Line of Defense, to house and consistently manage credit risk activities performed across its Institutional Client Group organization. ICM's objective is to provide integrated "end-to-end" credit underwriting, identification, measurement, management, and monitoring for wholesale credit risk across the enterprise. Within ICM, the Credit Underwriting function (ICM-UW) provides analysis, greenlight, underwriting, first-line-of-defense credit approval and subsequent credit monitoring across all ICG wholesale credit businesses including Banking, Capital Markets, and Advisory (BCMA), Global Structured Products, Financings, and Securitizations (GSP-F&S), Treasury & Trade Services (TTS), Markets, and Securities Services (MSS).
The ICM Underwriting Credit Associate AVP relationships within North America, being responsible for all underwriting activities, in partnership with Front Office as applicable and Risk.
KEY RESPONSIBILITIES:
Executes, aligned with global and regional strategies, all responsibilities regarding underwriting, including, but not limited to:

• Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions to development of credit approval memos.
• Drafting of Credit Approval Memo (CAM) packages including but not limited to ensuring they are complete and accurate.
• Conducting initial financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis.
• Support relationships with key stakeholders in Banking and Risk and with key Regulators, Internal Audit, and control functions.
• Support ICM Underwriting organization on strategic initiatives/projects as required.

SPECIFIC RISK EXPERIENCE:

• Experience in and exposure to global credit risk management standards.
• Ability to understand financing and product structures.
• Ability to assess financial and industry data to conduct credit assessment.
• Ability to discuss and address issues associated with the allocation of risk assets and risk capital in partnership with banking and product organizations.

CLIENT RELATIONSHIPS / BUSINESS PARTNERSHIP:

• Proven ability to understand nuances of local markets, local regulation, and the capabilities and practices of competitors.
• Navigate organizational complexity and break silos.
• Create and sustain a network of strong partnerships with the business in all segments & geographies and other risk functions.
• Provide well-reasoned, balanced assessments of risk/return trade-offs associated with transactions and client relationships.

QUALIFICATIONS:

• 5+ years risk/risk-related credit work experience in banking/financial institutions.
• Experience in effectively engaging with various functions.
• Strong ethics and integrity.
• Ability to understand the 'big picture' in a complex environment.
• Strong verbal & written communication skills. Active listening skills.
• Demonstrated influencing and negotiating skills.
• Ability to resolve conflicts amongst various constituencies.
• Proficient presentation skills - adept at presenting effectively to audiences of various sizes and various constituencies.

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
Job Family Group:
Risk Management
Job Family:
Credit Decisions
Time Type:
Full time
Primary Location:
New York New York United States
Primary Location Salary Range:
$109,120.00 - $163,680.00
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