Underwriter - Vice President

The position within Citi's ICM Underwriting team works with Global Spread Products' ABS and Residential mortgage business team in the underwriting, portfolio management and administration of a multi-billion-dollar warehousing loan portfolio secured by consumer receivables and / or SME business loans. The Underwriter reviews deal terms, structures, data, model, documentation related to such financing; Overall responsibilities are to:

Responsibilities:

• Create written and oral work products to test the financial feasibility and credit worthiness of loan forwards, permanent loans, and permanent loan conversions.
• Conduct and review due diligence and prepare internal committee packages for approval, as well as, credit submissions required for the sale of the loans to Bond Investors and for Rating Agencies.
• Process transactions through internal systems to ensure regulatory requirements.
• Manage communications among a diverse mix of internal and external participants.
• Understand and analyze different local and national real estate markets.
• Travel to markets throughout Asia to meet with internal and external clients, conduct due diligence on specific asset portfolios and participate in training opportunities.
• 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 judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications:

• 6-10 years of relevant experience - Minimum of 5 years in loan underwriting or equivalent experience.
• Ability to work under pressure and manage deadlines or unexpected changes in expectations or requirements
• Consistently demonstrates clear and concise written and verbal communication
• Ability to work unsupervised and adjust priorities quickly as circumstances dictate; yet have a demonstrated ability to work in a team-oriented environment
• Consistently demonstrates clear and concise written and verbal communication
• Demonstrated analytical skills - Excellent analytical and computer skills including the ability to quickly adopt new technology.
• Demonstrated problem-solving and decision-making skills

Additional non-core qualifications which will be considered are:

• The individual should have a demonstrated track record and working knowledge of applying lending Underwriting Guidelines and preferably be familiar with the processes of Rating Agencies.
• The individual will have the tact and composure to be client focused while also managing internal and external relationships. A successful Underwriter will take ownership while maintaining attention to details and working independently.
• This person will have the ability to read, comprehend, and summarize legal documents collected in the due diligence process.
• Working knowledge of the nuances of loan transactions will be very highly weighted in favor of the successful candidate.
• Ability to travel (20% of time) on short notice necessary.

Education:

• Bachelor's/University degree, Master's degree preferred

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Job Family Group:
Institutional Banking
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Job Family:
Investment Banking
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Time Type:
Full time
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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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