Commercial Real Estate Underwriter - Officer

In this role, you are expected to: - Conduct comprehensive financial analysis of Commercial Real Estate properties (e.g., multi-family, office, industrial, retail, hospitality) and associated sponsors/borrowers, including historical performance, pro forma projections, rent rolls, operating statements, and balance sheet analysis. - Develop and maintain complex financial models (DCF, valuation, sensitivity analysis) specific to various CRE asset types and transaction structures (e.g., acquisition, development, refinance) - Prepare well-reasoned and succinct credit approval request memorandums, highlighting key risks, mitigants, and actionable recommendations. - Conduct projection modeling, stress testing and other analyses using research and evaluations from a wide variety of sources. - Support Senior Underwriters in making recommendations/credit decisions, including risk ratings and regulatory classifications, using both quantitative models and qualitative judgment. - Oversees periodic relationship credit monitoring including preparing Annual Reviews (ARs), Quarterly Reviews (QRs), and Criticized Credit Reviews (CCRs), ensuring effective information sharing and timely execution within global time zones. - Proactively identify early warning signs of credit deterioration and elevate concerns to senior portfolio managers, proposing corrective actions. - Review and validate the quality of financial spreads, reports, and static data updates. - Supports the Senior Underwriter and Underwriter during internal reviews (BICR, COBRA, IA) and external regulatory exam responses - Prepare executive-level materials and presentations summarizing complex financial analysis and risk assessments. - Ensures all transactions are in compliance with regulatory and Citi guidelines, policies and procedures - Expected 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 As a successful candidate, you ideally have the following skills and exposure: - 3-6 years of relevant experience - Previous experience working directly in Commercial Real Estate underwriting or credit preferably in the financial services industry - Strong financial modeling experience in Microsoft Excel, including complex financial modeling, data manipulation, and scenario analysis. - 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 - Solid organizational skills with ability and willingness to work under pressure and manage time and priorities effectively with little to no supervision - Highly effective written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority. Education: - Bachelor's/University degree or equivalent experience - MBA or CFA or CA preferred 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 Citis EEO Policy Statement and the Know Your Rights poster.,