Hybrid Credit Risk Lead — Underwriting & Analytics

Citi; New York (NY); Hybrid; USD 58,000 - 82,000; Full time

Job summary

Citi in Ciudad De Mexico is seeking a Credit Risk Team Lead to guide risk assessment for commercial credit requests and oversee underwriting standards in a hybrid work setting.

The role requires deep credit authority experience, strong analytical and communication skills, and the ability to influence across teams while ensuring compliance with policies. This is a high-impact role within Citi's risk function.

Qualifications

• 6-10 years previous credit authority experience.
• 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 graphs and financial analysis software
• Typically deals with complex and variable issues with substantial potential impact
• Requires good analytical skills to filter, prioritize and validate complex material from multiple sources

Responsibilities

• Interface with and support bankers in underwriting requests for commercial 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.
• Prepare a detailed written credit summary of commercial applicants requesting credit by analyzing the business, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision.
• Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information.
• Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers in order to assess repayment capacity based on cash flow statements, tax returns, and statements.
• Perform industry and geographical research and other due diligence as needed.
• Maintain a solid understanding of Citibank products and services - within Small Business/Commercial Banking and the broader organization.
• Maintain compliance with Citibank 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 lower 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 judgement regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Skills

Analytical Thinking

Credible Challenge

Financial Analysis

Governance

Policy

Procedure

Risk Management Lifecycle

Constructive Debate

Escalation Management

Policy and Procedure

Policy and Regulation

Product Knowledge

Risk Controls and Monitors

Risk Identification and Assessment

Education

Bachelor’s/University degree

Master’s degree preferred

Job description

Citi in Ciudad De Mexico is seeking a Credit Risk Team Lead to guide risk assessment for commercial credit requests and oversee underwriting standards in a hybrid work setting.

The role requires deep credit authority experience, strong analytical and communication skills, and the ability to influence across teams while ensuring compliance with policies. This is a high-impact role within Citi's risk function.