Institutional Credit Management Commercial Real Estate Credit Underwriter, AVP
Citigroup Inc., New York, New York, us, 10261
The Underwriter is a seasoned professional role that applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and workflow for the area or function. Integrates subject matter and industry expertise within a defined area. Requires an in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach or taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Requires good analytical skills to filter, prioritize, and validate potentially complex and dynamic material from multiple sources. Strong communication and diplomacy skills are required. Regularly assumes informal or formal leadership roles within teams, involving coaching and training of new recruits. Significant impact in terms of project size, geography, etc., by influencing decisions through advice, counsel, and/or facilitating services to others in the area of specialization. The work and performance of all teams in the area are directly affected by the performance of the individual.
Responsibilities
Develop recommendations to adjust credit policies by analyzing credit and financial performance using statistical scoring, segmentation, regression, and simulation techniques.
Implement initiatives to ensure consistency and compliance with credit policies.
Utilize SAS in a UNIX environment to perform risk, financial, and data analysis including profiling, sampling, reconciliation, and quality testing.
Prepare risk management presentations for senior management that include analytics on portfolio performance, emerging trends, and areas of opportunity.
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm’s reputation and safeguarding Citi, 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
5-8 years relevant experience.
Previous experience in credit card risk management or equivalent training and experience preferably in the financial services industry.
Ability to apply credit and risk principles toward business goals.
Demonstrated ability to synthesize, prioritize, and drive results with a high sense of urgency.
Must be highly organized and able to work in a fast paced environment managing multiple projects and possess effective interpersonal, organizational, and analytic skills.
Extensive knowledge of SAS or SQL programming and literacy with MS Office software required.
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.
Location New York, New York, United States
Job Type Full time
Salary Range $109,120.00 - $163,680.00
Benefits In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
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.
EEO & Accessibility Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.
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Responsibilities
Develop recommendations to adjust credit policies by analyzing credit and financial performance using statistical scoring, segmentation, regression, and simulation techniques.
Implement initiatives to ensure consistency and compliance with credit policies.
Utilize SAS in a UNIX environment to perform risk, financial, and data analysis including profiling, sampling, reconciliation, and quality testing.
Prepare risk management presentations for senior management that include analytics on portfolio performance, emerging trends, and areas of opportunity.
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm’s reputation and safeguarding Citi, 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
5-8 years relevant experience.
Previous experience in credit card risk management or equivalent training and experience preferably in the financial services industry.
Ability to apply credit and risk principles toward business goals.
Demonstrated ability to synthesize, prioritize, and drive results with a high sense of urgency.
Must be highly organized and able to work in a fast paced environment managing multiple projects and possess effective interpersonal, organizational, and analytic skills.
Extensive knowledge of SAS or SQL programming and literacy with MS Office software required.
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.
Location New York, New York, United States
Job Type Full time
Salary Range $109,120.00 - $163,680.00
Benefits In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
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.
EEO & Accessibility Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.
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