Underwriter - AVP - LONDON

11037 Citibank, N.A. United Kingdom; Greater London; On-site; GBP 60,000 - 80,000; Full time

Job summary

A leading financial institution in the Greater London area seeks a Credit Risk professional responsible for supporting credit underwriting processes and ensuring compliance with internal policies. The ideal candidate will have a Bachelor's degree, relevant experience in finance, and strong analytical skills to assess financial statements. This full-time position requires effective communication, attention to detail, and the ability to work autonomously while contributing to a team environment.

Qualifications

• Relevant experience in infrastructure finance or clean energy finance underwriting.
• Proven analytical skills in reading and assessing financial statements.
• Excellent organizational skills with attention to detail.

Responsibilities

• Support bankers in credit underwriting requests.
• Prepare detailed written credit analysis of transactions.
• Ensure compliance with bank credit policies and regulatory standards.

Skills

Analytical Thinking

Financial Analysis

Risk Identification and Assessment

Education

Bachelor’s / University degree or equivalent experience

Tools

Excel

Word

Job description

Responsibilities

Interface with and support bankers in underwriting requests for 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

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, and senior approval forums

Prepare a detailed written credit analysis of transactions by analyzing the project company, performing detailed financial analysis, identifying the strengths and prevailing risk factors and rendering a final credit decision

Perform credit and financial statement analysis on borrowers, guarantors, and co-borrowers in order to assess debt repayment capacity based on cash flows

Perform industry and geographical research and other due diligence as needed.

Maintain compliance with bank 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.

Assists business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels. Work with management team on prioritization and implementation of approved actions

Provide backup support to Credit Underwriting Group Manager, lead projects and initiatives and mentor junior level Credit Officers as needed.

Other duties as required to support business unit and company goals.

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

Relevant experience in infrastructure finance and / or clean energy finance underwriting and / or financial services.

Proven analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry / competitive analysis and projections; including complicated business structures with foreign subsidiaries and / or parent organizations.

Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process

Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment

Effective inter-personal and written / verbal communication skills

Thorough problem recognition and resolution skills

Pro‑active disposition with ability to work autonomously and within a team

Proficient in various spreadsheet and word processing applications (Excel and Word), including the use of graphs and charts and financial analysis software

Requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources.

Education

Bachelor’s / University degree or equivalent experience

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.

Job Family Group : Risk Management

Job Family : Credit Risk

Time Type : Full time