Medical Underwriter Senior

Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a new function in the 1st Line of Defense, to house and consistently manage credit risk activities performed across its Institutional Client Group organization. ICM provides integrated end-to-end" credit underwriting, identification, measurement, management, and monitoring for wholesale credit risk across the enterprise. Within ICM, the Credit Underwriting function (ICM-UW) provides analysis, underwriting, first-line-of-defense credit approval and subsequent credit monitoring.

Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and work-flow for the area or function. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Significant impact in terms of project size, geography, etc. Work and performance of all teams in the area are directly affected by the performance of the individual.

Ensure Credit Approval Memo (CAM) packages are complete, accurate and thoroughly documented.
Support Senior Underwriters in making recommendations/credit decisions, including risk ratings and regulatory classifications.
Conduct in-depth analyses of financial data and other information provided by clients.
Conduct projection modeling, stress testing and other analyses using research and evaluations from a wide variety of sources.
Assess deal strengths, weaknesses and risk factors.
Ensure all transactions are follow regulatory and Citi guidelines, policies and procedures.
Remain current on all aspects of the credit relationship, including exposure, compliance, and potential credit concerns.
Oversee periodic relationship credit monitoring including Annual Reviews (ARs), Quarterly Reviews (QRs), and Criticized Credit Reviews (CCRs).
Inform bankers of any deterioration in operating performance based on financial reporting.
Support Senior Underwriters during internal reviews (FCR, COBRA, IA) and external regulatory exam responses.
Ensure to be fully conversant on safe and sound risk practices within Real Estate Credit including all policies, procedures, laws, regulations and risk limits specific to their Portfolio.
Previous experience working directly in Commercial Real Estate underwriting or credit preferably in the financial services industry.
• Ability to apply credit and risk principles toward business goals.
• Highly organized and able to work in a fast-paced environment managing multiple projects and possess effective interpersonal, organizational and analytic skills.
• Solid organizational skills with ability and willingness to work under pressure and manage time and priorities effectively with little to no supervision.
• Bachelor's/University degree or equivalent experience

Risk Management
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Credit Decisions
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Full time
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Primary Location Full Time Salary Range:
$Citi offers competitive employee benefits, including: medical, dental & vision coverage; life, accident, and disability insurance; Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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