Underwriter (UAE Applicants Only)

at  Citigroup Inc

SPECIFIC RISK EXPERIENCE:

• Experience in and exposure to global credit risk management standards
• Experience in structuring bilateral credit agreements, knowledge on complex credit products
• Ability to provide strategic insights and strong sensitivity to macro and regulatory issues, and impact of such issues on the various Risk families, including operational and franchise risks
• Proven ability to effectively engage with internal control functions including Internal Audit and Fundamental Credit Risk as well as with external audit

QUALIFICATIONS:

• Bachelor’s/University degree in Finance, Banking, Accounting or Economics
• 5+ years risk/risk-related credit work experience in banking/financial institutions
• Excellent written and spoken English and Arabic
• Strong knowledge of accounting and its practical application in the credit underwriting process
• Strong understanding of the Commercial Banking Business and Market
• Experience in effectively engaging with internal control functions including Internal Audit and Fundamental Credit Risk as well as with external audit
• Advanced presentation skills - adept at presenting effectively to audiences of various sizes and various constituencies

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
• Ensure Credit Approval Memo (CAM) packages are complete and accurate
• Continuous assurance of health and appropriateness of the credit clients’ risk profile. Conducting Early Warning and Risk Management activities to take the right actions timely to ensure a healthy risk profile, including classification decisions and credit strategy.
• Detailed reviews of financial data, projection modeling, stress testing, and perform other in-depth analysis
• Responsible for on time completion of annual reviews, quarterly credit reviews, any ad-hoc reviews of existing customers
• the daily market updates and news, internal reports and relate them with assigned credit portfolio/pipeline for analysis
• Facilitate relationships with key clients in Banking and Risk and with key control function
• Support the MET CLM Head strategic initiatives/projects
• Support VOE initiatives