Citi Community Capital - Real Estate Underwriting - Officer

Citi; New York (NY); Hybrid; USD 80,000 - 100,000; Full time

Job summary

Citi is seeking a Real Estate Underwriting Officer to support its Structured Credit and Real Estate Underwriting team. This role is critical in managing a multi-billion-dollar portfolio primarily in affordable housing across North America.

The ideal candidate should have 1-3 years of relevant experience, excellent attention to detail, and strong communication skills. An MBA, CFA, or CA is preferred. The position is hybrid and full-time.

Qualifications

• 1 to 3 years of experience in credit, portfolio management, or structuring.
• Strong Microsoft Office skills; modelling experience is a plus.
• Strong organizational skills with the ability to work under pressure.

Responsibilities

• Ensure timely communication among internal stakeholders.
• Review property-level financials to identify deteriorating trends.
• Monitor ongoing compliance of assigned deals with financing terms.

Skills

Credit analysis

Portfolio management

Financial analysis

Microsoft Office skills

Attention to detail

Team player

Education

MBA or CFA or CA

Job description

Citi Community Capital - Real Estate Underwriting - Officer

Job Req Id: 25923754

Location: Mumbai, Maharashtra, India

Job Type: Hybrid

Posted: Nov. 26, 2025

Job Overview

The Analyst will hold a critical role within the Structured Credit and Real Estate Underwriting (RESCU) team, supporting the management of a multi‑billion‑dollar portfolio of real estate assets primarily in the affordable housing space (Citi Community Capital) across North America. The Analyst will gain broad exposure across the full credit lifecycle, covering Construction Financing, Guarantor Analysis, and Permanent Financing.

Responsibility

• Work proactively with the Underwriting team/ Asset Manager to ensure timely information flow/ communications among all internal stakeholders.
• Review property‑level financials (operating statements, rent rolls, NOI) and borrower/guarantor financial statements including REO exposure, to identify deteriorating trends and support portfolio reviews.
• Monitor the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers with the aim of identifying and mitigating credit risks. Assist with classification and risk rating processes, decisions and monitoring.
• Monitor projects under development, including oversight of construction progress, budget tracking, draw reviews, execution risks, risk ratings, and annual reviews through completion and stabilization.
• Prepare annual credit approval and quarterly memos in a timely manner.
• Assist with stress testing, concentration analysis, audits, risk ratings, and credit policy initiatives.
• Maintain audit‑ready credit files in line with WCR policies.

Qualifications

• 1 to 3 years of credit, portfolio management or structuring experience in a financial institution, rating agency, financial guarantor, or asset management firm
• Strong Microsoft Office skills. Modelling experience is a plus
• Strong attention to detail – Analyst will have responsibility for due diligence and documentation of transactions to ensure that all risk, business and policy points are covered
• Oral and written communications skills enabling him or her to effectively interact with internal and external constituents of all levels
• Team player with strong work ethic who also works well with others at all levels
  • Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
  • The ability to work independently to meet tight deadlines and initiate ideas with other members of the SCREU team and Independent Risk to mitigate risk.
  • Real estate or structured credit experience preferred

Education

MBA or CFA or CA

Job Family Group

Risk Management

Job Family

Credit Risk

Time Type

Full time

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.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.