Latam Underwriter

**Responsibilities**:

- Assist bankers and Underwriters in underwriting requests for credit extensions for new and existing clients, and in the writing of annual reviews with focus on more complex and higher dollar exposure transactions.
- Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information
- Perform collateral analysis on accounts receivable, inventory, machinery and equipment and real estate in order to evaluate collateral performance and changes in trends, as well as to assess repayment capacity based secondary sources of repayment.
- Prepare monthly and/or quarterly reviews of existing borrowers in order to track compliance with various loan covenants as outlined in the loan Agreement.
- Build a solid understanding of Citibank products and services within Commercial Banking and the broader organization.
- Coordinate with bankers on customer calls and site visits, when appropriate.
- Perform industry and geographical research and other due diligence as needed.
- Be familiar with Citibank credit policies and practices and regulatory policies, to assist unit in achieving compliance with the above and satisfactory ratings from internal and external auditors.
- Provide backup to the team manager in workflow distribution and monitoring as needed.
- Recommend changes to process to achieve greater efficiency.

**Qualifications**:

- 10+ years of experience
- Bachelor's degree in finance or accounting (preferred) - previous experience working in a financial institution with additional experience in a loan officer or underwriting role. (credit trained a plus)
- Advanced analytical skills including the ability to read and assess company financial statements, cash flow, industry and competitive analysis and projections
- Excellent organizational skills, attention to detail, and the ability to complete assignments in a timely manner
- Effective written and verbal communication skills
- Problem recognition and resolution skills
- Ability to work autonomously and within a team
- Must be able to write, read and speak English fluently

**Education**:

- Bachelor’s/University degree, Master’s degree preferred

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
- **Job Family Group**:
Risk Management
- **Job Family**:
Credit Decisions
- **Time Type**:
Full time
- Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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