Senior Vice President - Structured Credit and Real Estate Underwriting Citi

13.0 - 17.0 years

0 Lacs

maharashtra

On-site

The Senior Vice President position within the Structured Credit and Real Estate Underwriting (SCREU) team plays a crucial role in managing a multi-billion dollar portfolio of asset securitization transactions, focusing primarily on ABS and CLO asset classes such as auto, credit card, unsecured consumer loans, middle market, private credit, and broadly syndicated loans. As a senior leader, you will be responsible for overseeing a team of Analysts and Associates, guiding their work, ensuring quality, timely delivery, and analytical rigor. You will collaborate with Origination, other Institutional Credit Management teams, and Independent Risk, conduct credit reviews, and monitor the portfolio for credit migration. Effective communication and diplomacy skills are essential for mentoring juniors and maintaining high-quality work standards. Responsibilities: - Accountable for ensuring robust analysis of the SCREU portfolio, aligning with industry best practices and internal risk policies - Support bankers in underwriting commercial credit extensions, making sound credit decisions, and ensuring compliance with internal procedures and credit risk policies - Supervise analysts and associates in periodic portfolio monitoring - Maintain organized credit files for compliance purposes and ensure accuracy and completeness of input in approval memos - Monitor compliance of deals with financing terms, portfolio performance, and financial triggers, recommending actions to mitigate credit risks - Provide ongoing feedback and coaching to junior team members, fostering a strong credit culture and commitment to excellence - Support Director and senior team members, lead projects and initiatives within the team - Stay updated on industry trends and market events Qualification and Experience: - 13+ years of credit, portfolio management, or product experience, preferably in structured finance/securitization - Experience in leading teams and mentoring junior bankers - Strong organizational skills, attention to detail, and ability to work efficiently in a fast-paced environment - Pro-active with the ability to work independently and collaboratively - Proficient in analyzing complex issues and balancing conflicting needs - Knowledge of wholesale loan products, including legal documentation, deal structure, and funding mechanics - Strong Microsoft Office skills, modeling experience is a plus - Excellent oral and written communication skills for effective interaction with internal and external stakeholders - Adherence to quality control and assurance standards - MBA, CFA, or CA qualification Citi is an equal opportunity employer and encourages qualified individuals to apply for career opportunities. If you require accommodation due to a disability, please review Accessibility at Citi.,

Posted 2 days ago

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Credit Risk - Wholesale credit (Chase merchant services)- Credit Analyst Chase- Candidate Experience page

3.0 - 7.0 years

0 Lacs

karnataka

On-site

Are you looking for an exciting opportunity to join a dynamic and growing team in a fast-paced and challenging area This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view. As a Credit Risk - Wholesale credit (Chase merchant services) - Associate within the Chase Merchant Services team, you will be focused on identifying, measuring, limiting, managing, and monitoring credit risk across our businesses. You will be conducting periodic credit reviews of corporate clients to protect the bank from loss and maintain credit risk within acceptable levels of our framework. Utilizing commercial credit skills, you will prepare written financial analysis, Risk Grading, and credit reviews of corporate clients. Independently analyze, or at times work with more senior Credit Officers, to evaluate the risk and complete a periodic credit review of clients within the portfolio. Understand and assess the customer's business model and its viability in the long run. Identify additional information requirements needed to properly assess risks of the transaction. Review and analyze the financial strength and soundness of corporate clients to identify key risks to the continued creditworthiness of the business along with appropriate mitigating factors. Consider alternatives to mitigate risk where appropriate and recommend action to be taken in unfavorable scenarios. Ensure that credit facilities presented are properly graded and meet defined production and quality scores. Timely submission with no High-Risk quality review findings. Meet assigned timelines and ensure process and policy requirements are met per the business and audit requirements. Stay on top of policies, conventions, and follow those diligently. Review completed cases for feedback, act on feedback provided, and timely submissions of reworks. Establish strong partnerships with internal clients, demonstrate client-centric behavior, be aware of client's expectations, challenges while securing the firm's interest. Exercise appropriate diligence with client information and complete ad-hoc work assigned within expected timelines. Required qualifications, capabilities, and skills include a postgraduate or an advanced degree in business management, finance, or accounting, strong verbal, written, and interpersonal skills, as well as analytical and problem-solving skills. Ability to formulate and articulate objective views based on professional analysis. Proficiency in Microsoft Office Suite, especially Excel, Word, and PowerPoint. Good organization skills and ability to work within time constraints in a highly regulated environment. Work effectively in a team environment while assuming individual responsibility. Experience as a credit officer, underwriter, or similar position with knowledge of accounting and financial statement analysis requiring credit judgment and knowledge of various business models is desirable. Highly motivated individual with a natural passion to learn and an inquisitive personality. Strong sense of accountability and ownership of tasks. Interest in client interaction with strong verbal and written communication skills. Ability to perform well under pressure in a demanding environment managing multiple tasks at the same time and capable of understanding, describing, and debating complex concepts. Thorough knowledge of credit philosophy, loan documentation, bankruptcy, and related legal issues. Strong attention to detail and an excellent work ethic. Proactive approach, a sense of urgency where appropriate.,

Posted 3 days ago

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