Senior AVP - Counterparty Credit Underwriter

Citibank (Switzerland) AG; Singapore; On-site; Confidential; Full time

Job summary

Citibank (Switzerland) AG in Singapore seeks an experienced Credit Risk Underwriter to manage a diverse lending portfolio for sophisticated clients. You will assess creditworthiness, perform cash flow analysis, and structure facilities that balance risk, leverage and return across asset classes such as CRE, portfolios and derivatives.

The role requires deep knowledge of derivatives and structured products, strong communication and stakeholder management, and strict adherence to Citi policies.

Qualifications

• 6–10 years of relevant banking experience.
• Strong analytical, financial structuring, and execution skills.
• Experience as a credit officer or underwriter.
• Strong knowledge of Citi's Credit Policies, Product Programs, and Citi Policies.
• In-depth knowledge of financial analysis, including financial statement analysis and cash flow modeling.
• Strong knowledge of derivatives and structured products, including options, futures, forwards, swaps, structured notes, and other complex investment instruments, with the ability to assess their impact on credit risk, leverage, liquidity, and portfolio concentration.
• Excellent written and verbal communication skills.
• Strong interpersonal and stakeholder management skills.
• Good negotiation skills.
• Strong initiative and an interactive approach to problem-solving.
• Demonstrated flexibility and independence in a demanding environment.

Responsibilities

• Assist Lending Advisors with preparing Credit Greenlight Memos, where applicable.
• Perform full credit underwriting with appropriate risk-return characteristics in accordance with Citi's Credit and Product Standards, policies, and procedures.
• Prepare Credit Applications, ensuring accuracy and completeness of information and analysis.
• Conduct financial analysis, including cash flow assessment and modeling.
• Evaluate collateral including investment portfolios, commercial real estate, art collections, aircraft, and other asset classes.
• Prepare and negotiate credit documentation for facilities, including liaison with internal and external legal counsel as required, and undertake annual documentation reviews.
• Prepare and review facility covenants.
• Assist in Portfolio Management activities, including Annual Credit Reviews, covenant monitoring, compliance monitoring, waivers, extensions, and related system maintenance in partnership with Data Management Teams.
• Identify emerging credit issues and assist with classified loan and remedial management activities.
• Assess and analyze derivative and structured product exposures within client portfolios, evaluating associated market, liquidity, counterparty, and collateral risks as part of the overall credit underwriting and portfolio management process.
• Incorporate derivative and structured product positions into credit assessments, collateral evaluations, and ongoing portfolio monitoring to ensure risks are appropriately identified, measured, and managed.
• Appropriately assess risk when business decisions are made, demonstrating 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.

Skills

Credit analysis

Financial modeling

Derivatives knowledge

Credit underwriting

Stakeholder management

Communication skills

Negotiation

Team player

Risk management

Education

Bachelor's degree

Master's degree preferred

Job description

Citibank (Switzerland) AG in Singapore seeks an experienced Credit Risk Underwriter to manage a diverse lending portfolio for sophisticated clients. You will assess creditworthiness, perform cash flow analysis, and structure facilities that balance risk, leverage and return across asset classes such as CRE, portfolios and derivatives.

The role requires deep knowledge of derivatives and structured products, strong communication and stakeholder management, and strict adherence to Citi policies.