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Citigroup Institutional Credit Management, Corporate Credit Underwriting - Commercial Real Estate - AVP in New York, New York

The Underwriter is a seasoned professional role. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and work-flow for the area or function. Integrates subject matter and industry expertise within a defined area. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Strong communication and diplomacy skills are required. Regularly assumes informal/formal leadership role within teams. Involved in coaching and training of new recruits. Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Work and performance of all teams in the area are directly affected by the performance of the individual.


Work on transactions for companies in Corporate Loan Portfolio (including REIT, REOC, and Homebuilders) under Citi’s Commercial Real Estate team

Conduct in-depth financial analysis (including modeling) and structuring of credit requests for clients and prospects

Assesses deal strengths and weaknesses and risk factors

Support Senior Underwriters in making recommendations/credit decisions, including risk ratings and regulatory classifications

Ensures all transactions are in compliance with regulatory and Citi guidelines, policies and procedures

Remains current on all aspects of the credit relationship, including exposure, compliance, and potential credit concerns and engages with ICM Early Warning, Collateral Management, and Transaction Management teams on resolving exceptions

Work on periodic relationship credit monitoring including Annual Reviews (ARs), Quarterly Reviews (QRs), Criticized Credit Reviews (CCRs)

Notifies bankers of any deterioration in operating performance based on financial reporting

Supports the Senior Underwriter and Underwriter during internal reviews (FCR, COBRA, IA) and external regulatory exam responses

Expected to be fully conversant on safe and sound risk practices within Real Estate Credit including all policies, procedures, laws, regulations and risk limits specific to their Portfolio


3+ years relevant experience

Previous experience in credit card risk management or equivalent training and experience preferably in the financial services industry

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.

Job Family Group:

Risk Management

Job Family:

Credit Decisions

Time Type:

Full time

Primary Location:

New York New York United States

Primary Location Full Time Salary Range:

$109,120.00 - $163,680.00

In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit Available offerings may vary by jurisdiction, job level, and date of hire.

Anticipated Posting Close Date:

Apr 23, 2024

Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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 Accessibility at Citi ( .

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Citi is an equal opportunity and affirmative action employer.

Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.