Citi
Structured Credit / Securitization Underwriter
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Structured Credit / Securitization Underwriter
role at
Citi Overview
The Securitization Underwriter is a pivotal professional responsible for spearheading the underwriting and credit approvals of transactions within Credit Financing/Private Credit and Transportation Finance. This role is dedicated to structured credit and securitization-related credit facilities, demanding extensive product knowledge, profound corporate credit expertise, sharp commercial acumen, and the capability to meticulously review and assess legal documents. The Underwriter must adeptly manage complex deliverables, high volumes, and stringent timelines, all while ensuring strict adherence to internal policy and regulatory compliance. The role may involve active engagement in optimizing technology and enhancing operational efficiencies across the business. Responsibilities
Credit Analysis & Risk Assessment: Proactively assess credit risk and other pertinent risk considerations in all business decisions, prioritizing the firm’s reputation and safeguarding Citi's clients and assets. Ensure compliance with applicable laws, rules, and regulations; adhere to internal policies; apply sound ethical judgment; and transparently escalate, manage, and report control issues. Credit Underwriting: Collaborate with bankers to underwrite requests for both new and existing securitization facilities. Take ownership of credit decisions and ensure compliance with internal procedures, credit risk policy guidelines, and established standards. Due Diligence and Credit Memo Preparation: Conduct comprehensive due diligence and prepare detailed written credit memos for periodic monitoring, including annual reviews and quarterly updates on existing transactions. Memos should cover business terms, structural elements, strengths, risk factors, asset types, and compliance with internal underwriting guidelines and applicable policies to inform final credit recommendations to Risk. Portfolio Monitoring: Perform ongoing, timely monitoring of individual transaction performance and overall portfolio trends. Product, Market, and Industry Expertise: Stay informed on industry developments, evolving product offerings, and rating agency criteria. Policy and Regulatory Adherence: Maintain knowledge of and ensure compliance with Citibank Wholesale Credit Risk policies, standards, procedures, and relevant regulatory policies to support satisfactory audits and reviews. Process Improvement: Identify opportunities for process improvements and efficiencies. Lead projects to enhance operational effectiveness and work with management to prioritize and implement actions. Qualifications
3 - 7 years of progressive credit analysis experience within a financial institution, with familiarity in regulatory, compliance, and policy environments. Analytical capability to assess structural components of transactions, the quality of underlying assets, and asset managers’ capabilities, strategies, and portfolio management techniques. Expertise in structured finance and securitization of Private Credit, Middle Market or Broadly Syndicated Loans, and Esoteric Asset-Backed assets (including Transportation). Strong organizational skills, meticulous attention to detail, and ability to prioritize tasks to meet deadlines in a fast-paced, high-volume environment. Excellent interpersonal, written, and verbal communication skills for effective stakeholder engagement. Autonomous yet collaborative work style. Proficiency with standard business applications (e.g., Microsoft Excel, Word, PowerPoint). Interest or experience in technology or operations/process enhancements, including deployment of new technologies such as Artificial Intelligence. Education
Bachelor’s/University degree required. Master’s degree or CFA Charterholder certification preferred. Equal Opportunity Employer: Citi is an equal opportunity employer and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
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Join to apply for the
Structured Credit / Securitization Underwriter
role at
Citi Overview
The Securitization Underwriter is a pivotal professional responsible for spearheading the underwriting and credit approvals of transactions within Credit Financing/Private Credit and Transportation Finance. This role is dedicated to structured credit and securitization-related credit facilities, demanding extensive product knowledge, profound corporate credit expertise, sharp commercial acumen, and the capability to meticulously review and assess legal documents. The Underwriter must adeptly manage complex deliverables, high volumes, and stringent timelines, all while ensuring strict adherence to internal policy and regulatory compliance. The role may involve active engagement in optimizing technology and enhancing operational efficiencies across the business. Responsibilities
Credit Analysis & Risk Assessment: Proactively assess credit risk and other pertinent risk considerations in all business decisions, prioritizing the firm’s reputation and safeguarding Citi's clients and assets. Ensure compliance with applicable laws, rules, and regulations; adhere to internal policies; apply sound ethical judgment; and transparently escalate, manage, and report control issues. Credit Underwriting: Collaborate with bankers to underwrite requests for both new and existing securitization facilities. Take ownership of credit decisions and ensure compliance with internal procedures, credit risk policy guidelines, and established standards. Due Diligence and Credit Memo Preparation: Conduct comprehensive due diligence and prepare detailed written credit memos for periodic monitoring, including annual reviews and quarterly updates on existing transactions. Memos should cover business terms, structural elements, strengths, risk factors, asset types, and compliance with internal underwriting guidelines and applicable policies to inform final credit recommendations to Risk. Portfolio Monitoring: Perform ongoing, timely monitoring of individual transaction performance and overall portfolio trends. Product, Market, and Industry Expertise: Stay informed on industry developments, evolving product offerings, and rating agency criteria. Policy and Regulatory Adherence: Maintain knowledge of and ensure compliance with Citibank Wholesale Credit Risk policies, standards, procedures, and relevant regulatory policies to support satisfactory audits and reviews. Process Improvement: Identify opportunities for process improvements and efficiencies. Lead projects to enhance operational effectiveness and work with management to prioritize and implement actions. Qualifications
3 - 7 years of progressive credit analysis experience within a financial institution, with familiarity in regulatory, compliance, and policy environments. Analytical capability to assess structural components of transactions, the quality of underlying assets, and asset managers’ capabilities, strategies, and portfolio management techniques. Expertise in structured finance and securitization of Private Credit, Middle Market or Broadly Syndicated Loans, and Esoteric Asset-Backed assets (including Transportation). Strong organizational skills, meticulous attention to detail, and ability to prioritize tasks to meet deadlines in a fast-paced, high-volume environment. Excellent interpersonal, written, and verbal communication skills for effective stakeholder engagement. Autonomous yet collaborative work style. Proficiency with standard business applications (e.g., Microsoft Excel, Word, PowerPoint). Interest or experience in technology or operations/process enhancements, including deployment of new technologies such as Artificial Intelligence. Education
Bachelor’s/University degree required. Master’s degree or CFA Charterholder certification preferred. Equal Opportunity Employer: Citi is an equal opportunity employer and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
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