Job Description

Citibank, N.A. seeks an Underwriter for its New York, New York location.

Duties: Initiate and underwrite the credit approval processes of margin loans, derivative transactions, and interim credit applications for Citi Private Bank. Provide annual reviews of the existing credit relationships. Ensure timely completion of credit transactions within the standard turnaround timeframes. Ensure the framework of credit risk policies, standards, and operating procedures and manuals are followed with respect to underwriting. Conduct due diligence assessment, including risk ratings and borrower’s financial and collateral analyses, to identify off-underwriting terms and off-target market counterparties. Ensure minimum mandatory disclosures for all credit applications. Recommend credit extension approval within the limits of first line of defense, affirming that all minimum requirements are met, attesting correct risk rating, and confirming the assessed risk is within the appetite. Support interim and new credit approvals, annual reviews, Criticized Credit Memos preparations, and other tasks that require second line of defense credit approval. Participate in ISDA CSA negotiations and ensure all legal and other requisite documents associated with derivative, margin loan, and other credit transactions are fully executed and in line with the credit approval. Work with Margin Lending Advisors and GCM Credit Solutions Team in coordinating margin call deferrals and approvals. Monitor and remediate obligor and facility level limit excess, identify obligors whose risk ratings may require adjustment, and propose risk mitigation action plans. Review across Citi’s entire risk and reporting infrastructure to ensure exposures and risks are accurately reported and appropriately monitored. A telecommuting/hybrid work schedule may be permitted within a commutable distance from the worksite, in accordance with Citi policies and protocols.

Requirements: Requires a Master’s degree, or foreign equivalent, in Finance, Accounting, or related field and 2 years of experience as a Credit Risk Senior Analyst, Financial Analyst, or related position involving credit risk analysis and management in a global financial institution. Alternatively, employer will accept a Bachelor’s degree in the stated fields and 5 years of the specified progressive, post-baccalaureate experience. Full span of experience must include: Mathematical (Quantitative and Qualitative) methods of finance; Financial modeling for valuation using Discounted CashFlow Model (DCF Model), Three Statement Model, Merger Model; Financial statement analysis; Collateral analysis; and Credit memo preparation. Applicants submit resumes at https://jobs.citi.com/. Please reference Job ID #26957085. EO Employer.

Wage Range: $180,107 to $180,400

Job Family Group: Risk Management

Job Family: Credit Risk

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Time Type:

Full time

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Primary Location:

New York New York United States

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Primary Location Full Time Salary Range:

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.

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Most Relevant Skills

Please see the requirements listed above.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

Jul 03, 2026

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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.

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