Job Description

Public Finance Credit Underwriter

As a Public Finance Credit Underwriter within Citi’s Public Sector & Municipals team, you will lead credit underwriting and risk analysis for municipal, not-for-profit, and sovereign clients. This role combines deep financial and collateral analysis with direct client and banker collaboration, giving you ownership over complex, high-value credit decisions. You will leverage Citi’s Commercial Banking platform to deliver sound credit recommendations, support portfolio management activities, and help develop the next generation of credit officers, analysts, and underwriters.

Responsibilities

• Lead underwriting, credit analysis, and portfolio management activities for municipal, not-for-profit, and sovereign clients, with a focus on public finance transactions.
• Evaluate borrower financial statements, cash flow projections, collateral structures, debt profiles, and market conditions to determine creditworthiness.
• Prepare and present clear, well-supported credit approval memoranda and recommendations to senior credit officers and risk committees.
• Monitor portfolio performance, identify emerging risks, and recommend appropriate mitigating actions.
• Partner closely with Relationship Managers, Product Partners, and Risk Management teams to structure and execute transactions that meet client needs while maintaining Citi’s risk standards.
• Conduct industry and market research to assess trends, opportunities, and potential risks affecting public sector clients.
• Ensure compliance with all applicable Citi credit policies, regulatory requirements, and underwriting standards.
• Apply knowledge of Citi’s public finance, municipal, and sovereign credit products to guide underwriting decisions.
• Support talent development through mentoring and guidance of junior analysts, underwriters, and credit officers.
• Participate in special projects and strategic initiatives that enhance underwriting processes, portfolio management practices, and client service capabilities.

Qualifications

• 6+ years of experience in commercial banking, credit underwriting, public finance, municipal finance, or related credit risk functions.
• Strong analytical skills with demonstrated experience assessing financial statements, credit structures, and repayment capacity.
• Knowledge of municipal credit markets, public finance transactions, and sovereign credit analysis preferred.
• Experience preparing and presenting credit recommendations to senior stakeholders and approval committees.
• Strong communication and relationship management skills with the ability to collaborate effectively across multiple teams.
• Demonstrated ability to manage multiple priorities and meet deadlines in a fast-paced environment.
• Proven leadership, mentoring, and coaching capabilities.
• Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field required.
• MBA, CFA, CPA, or other relevant professional designation preferred.

What Success Looks Like

In this role, you will serve as a trusted credit partner to bankers and clients, balancing responsible risk management with business growth objectives. You will provide thought leadership on complex public finance transactions, support the development of junior talent, and contribute to a high-performing credit culture within Citi’s Public Sector & Municipals franchise.

Job Family Group:

Risk Management

Job Family:

Credit Risk

Time Type:

Full time

Primary Location:

Getzville New York United States

Primary Location Full Time Salary Range:

$115,840.00 - $173,760.00

In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

Other Relevant Skills

Data Analysis, Laws and Regulations, Management Reporting, Policy and Procedure, Referral and Escalation, Risk Controls and Monitors, Risk Identification and Assessment, Risk Remediation.

Anticipated Posting Close Date:

Nov 05, 2026

Automated Processing and AI

We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.

Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

Illinois residents – AI Notice and Right

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View Citi’s EEO Policy Statement and the Know Your Rights poster.