Citigroup, Inc

Commercial Lending Underwriter - Vice President

Citigroup, Inc • $114K — $172K *
Irving, TX 75061Hybrid
Finance & Insurance
5 - 7 years of experience
Reposted 2 days ago
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Job Overview by Ladders

Qualifications

  • 5+ years of experience in credit underwriting, portfolio, or risk management in a multinational financial services setting.
  • Knowledge of basic accounting and financial concepts relevant to credit underwriting.
  • Strong communication skills including writing, presenting, and listening.
  • Ability to manage multiple priorities and complete tasks timely.
  • Demonstrates a desire to learn and adapt quickly to new situations.
  • Proficient in spreadsheet, word processing, and presentation software with strong data visualization skills.
  • Bachelor's degree required; advanced degrees or certifications are a plus.

Responsibilities

  • Facilitate the lending process for assigned relationships and portfolio.
  • Develop knowledge of assigned portfolio and related industries to balance risk and business objectives.
  • Ensure accurate regulatory classification and minimize credit losses for the portfolio.
  • Produce supporting analysis for underwriting requests and credit relationship management.
  • Prepare financial reviews to monitor compliance with loan covenants and address concerns.
  • Coordinate loan documentation for transactions and modifications.
  • Lead strategic initiatives to enhance operational efficiency and effectiveness.
  • Mentor junior staff and develop training programs to enhance credit skills.

Benefits

  • Comprehensive medical, dental, and vision coverage.
  • 401(k) plan with company match.
  • Life, accident, and disability insurance.
  • Wellness programs and paid time off including vacation and sick leave.
  • Opportunities for discretionary incentive and retention awards.
Full Job Description
The Underwriter is a strategic professional who stays abreast of developments within own field and contributes to directional strategy by considering their application in own job and the business. Recognized technical authority for an area within the business. Requires basic commercial awareness. There are typically multiple people within the business that provide the same level of subject matter expertise. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Significant impact on the area through complex deliverables. Provides advice and counsel related to the technology or operations of the business. Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.

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 judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.


Qualifications:
  • 6-10 years previous credit authority experience. Prior experience working in a regulatory and compliance policy environment
  • 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 the use of graphs and charts and financial analysis software
  • Typically deals with 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 needs.
  • Requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources.
  • Exercises wide degree of latitude and discretion.
  • Significant impact on the area through complex deliverables.
  • Provides advice and counsel related to the technology or operations of the business.
  • Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.


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


This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Job Family Group:
Risk Management

Job Family:
Credit Risk

Time Type:
Full time

Primary Location:
Irving Texas United States

Primary Location Full Time Salary Range:
$114,720.00 - $172,080.00

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.

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.

Anticipated Posting Close Date:
Jan 06, 2026

About Citigroup, Inc

Citigroup is a financial services holding company that provides financial products and services. The company operates through two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, commercial banking, Citi-branded cards, and Citi retail services. The ICG segment offers various banking, and financial products and services to corporate, institutional, public sector, and high-net-worth clients. This segment provides wholesale banking products and services, including fixed-income and equity sales and trading, foreign exchange, prime brokerage, derivative services, equity and fixed-income research, corporate lending, investment banking, and advisory services, private banking, cash management, trade finance, and securities services. Citi is committed to sustainability and social responsibility, and the company invests in initiatives that promote economic progress.

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Learn more about Citigroup, Inc
Market Cap
$1.3 billion
Industry
Finance & Insurance
Net Income
$89.6 million
Founded
1812
5 Year Trend
+4.6%
NASDAQ
C
* Ladders Estimates

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