Underwriter -Institutional Credit Management

22745 CITIBANK NA - ADGM BRANCH; Abu Dhabi; On-site; AED 120,000 - 200,000; Full time

Job summary

A leading international bank seeks an Underwriting Analyst to perform comprehensive credit risk assessments for major corporate and public sector clients. Candidates should possess 3-6 years of relevant credit experience and strong analytical skills while being proficient in English, with additional language skills being an advantage. This role involves continuous monitoring of client relationships and necessitates strategic engagement with regional stakeholders.

Qualifications

• 3-6 years of credit experience in Banking, Credit Risk Management or equivalent.
• Strong proficiency in English (written and verbal). Knowledge of French / Arabic is a plus.
• Strong analytical skills including an understanding of key financial components.

Responsibilities

• Assess the credit and financial strength of complex corporate clients.
• Complete credit analysis write-ups while assigning internal credit risk ratings.
• Monitor the portfolio and escalate potential credit issues promptly.

Skills

Analytical Thinking

Financial Analysis

Risk Identification and Assessment

Education

Bachelor’s / University degree or equivalent experience

Job description

Underwriting (UW) is an integral part of the Institutional Credit Management (“ICM”) organization. UW's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Corporate Banking and Risk shared commitment to ensuring the safety and soundness of wholesale lending across Citi.

Underwriting Analysist and Associates are responsible for a portfolio of Corporate Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Initial Credit Approvals, Transaction Approvals, Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Portfolio & Industry Reviews and Stress Testing.

Responsibilities :

• Assess the credit and financial strength of Citi’s Most Complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.
• Complete Credit Analysis write-ups while assigning internal credit risk ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge.
• Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriters, Risk and Banking partners.
• Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios.

Qualifications :

• 3-6 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
• Strong proficiency in English (written and verbal). Knowledge of French / Arabic will be a plus.
• Strong analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues.
• Background on both Corporate and Financial Institutions’ risk analysis will be a plus.
• Advanced industry research capabilities, including risk and key drivers.
• Ability to identify potential risk issues that need escalation and escalates them promptly.

Education :

• 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

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.

Institutional • Abu Dhabi Abu Dhabi United Arab Emirates