**P** **ower, Clean Energy Transition and Chemicals Credit Underwriter** Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a relatively new function in the 1st Line of Defense, to house and consistently manage credit risk activities performed across its Institutional Client Group organization. ICM’s objective is to provide 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, greenlight, underwriting, first-line-of-defense credit approval and subsequent credit monitoring across all wholesale credit businesses including Banking, Capital Markets, and Advisory (BCMA), Global Structured Products, Financings, and Securitizations (GSP-F&S), Treasury & Trade Services (TTS), Markets, and Securities Services (MSS) Corporate Credit Underwriters cover large and complex relationships within North America, are responsible for all underwriting activities in the Power, Clean Energy Transition and Chemicals sectors, in partnership with Natural Resources Corporate Bank and Risk. This role reports directly to the Global Head of Natural Resources Corporate Credit Underwriting. KEY RESPONSIBILITIES: + Executes, aligned with global and regional strategies, all responsibilities regarding underwriting, including, but not limited to: + Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions, to development of credit approval memos, and senior approval forums + Detailed review of financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis performed by junior resources + Review and approval of Credit Approval Memos (CAM) packages + Partnering with Front Office on structuring and production of term sheet for new transactions + Be familiar with Citibank credit policies and practices and regulatory policies, to assist unit in achieving compliance and satisfactory ratings from internal and external auditors. + 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. + Support ICM Underwriting organization on strategic initiatives/projects as required SPECIFIC RISK EXPERIENCE: + Senior credit approval authority covering large and complex underwritings, capital commitments, derivatives with multi-industry experience + Experience in and exposure to global credit risk management standards + Ability to understand capital markets products and complex financing and product structures + Ability to provide strategic insights and strong sensitivity to macro, regulatory and sector specific issues + Able to discuss and address issues associated with the allocation of risk assets and risk capital in partnership with banking and product organizations CLIENT RELATIONSHIPS / BUSINESS PARTNERSHIP: + Proven ability to understand nuances of local markets, local regulation, and the capabilities and practices of competitors + Provides well-reasoned, balanced assessments of risk/return trade-offs associated with transactions and client relationships + Proven track record of partnering with global peers in leveraging and implementation of best practices + Facilitate relationships and partnerships with key clients in Banking and Risk and with key Regulators, Internal Audit, and control functions across multiple segments and geographies **Qualifications:** + 10+ years of experience + Bachelor's degree in finance or accounting (preferred) - previous experience working in a financial institution with additional experience in a loan officer or underwriting role. (credit trained a plus) + Advanced analytical skills including the ability to read and assess company financial statements, cash flow, industry and competitive analysis and projections + Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process + Excellent organizational skills, attention to detail, and the ability to complete assignments in a timely manner + Effective written and verbal communication skills + Problem recognition and resolution skills + Ability to work autonomously and within a team + Proficient in various spreadsheet and word processing applications (Excel and Word are preferred), including the use of graphs and charts, and Moody's financial analysis software **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 Decisions ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ **Primary Location:** New York New York United States ------------------------------------------------------ **Primary Location Full Time Salary Range:** $163,600.00 - $245,400.00 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. ------------------------------------------------------ **Anticipated Posting Close Date:** Feb 17, 2025 ------------------------------------------------------ Citi is an equal opportunity and affirmative action employer. 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. Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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 (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)** . View the "EEO is the Law (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/eeopost.pdf) " poster. View the EEO is the Law Supplement (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/OFCCP\_EEO\_Supplement\_Final\_JRF\_QA\_508c.pdf) . View the EEO Policy Statement (http://citi.com/citi/diversity/assets/pdf/eeo\_aa\_policy.pdf) . View the Pay Transparency Posting (https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp\_%20English\_formattedESQA508c.pdf) Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.