Underwriter - Commercial Real Estate - Assistant Vice President at Citi

Mumbai, maharashtra, India -

Full Time

Start Date

Immediate

Expiry Date

11 Apr, 26

Salary

0.0

Posted On

11 Jan, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Financial Modeling, Credit Principles, Risk Assessment, Analytical Thinking, Communication Skills, Organizational Skills, Project Management, Financial Analysis, Policy Knowledge, Risk Controls, Data Manipulation, Scenario Analysis, Coaching, Training, Stress Testing, Relationship Management

Industry

Financial Services

Description

Involved in coaching and training of new recruits Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Work and performance of all teams in the area are directly affected by the performance of the individual. 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 manages 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. MBA or CFA or CA Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ 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. Conducts 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. 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

Responsibilities

Conduct comprehensive financial analysis of Commercial Real Estate properties and develop complex financial models. Prepare credit approval request memorandums and support senior underwriters in making credit decisions.