The Credit Underwriting Sr Manager accomplishes results through the management of professional team(s) and department(s). Integrates subject matter and industry expertise within a defined area. Contributes to standards around which others will operate. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the entire function. Requires basic commercial awareness. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Has responsibility for volume, quality, timeliness and delivery of end results of an area. May have responsibility for planning, budgeting and policy formulation within area of expertise. Involved in short-term planning resource planning. Full management responsibility of a team, which may include management of people, budget and planning, to include duties such as performance evaluation, compensation, hiring, disciplinary and terminations and may include budget approval.
Responsibilities:Performs in-depth financial statement analysis to manage new and existing relationships with exposures in addition to high risk credits.Integrates in-depth credit operations knowledge with a solid knowledge of industry standards and practices.Uses judgment to complete more complex credit transactions with direct business impact.Oversees credit application process to include credit verification and assess credit limits.Performs analysis of credit reports, financials, etc. to provide the status on credit and operating statements.Applies analytical thinking and knowledge of credit analysis tools and methodologies.Performs other duties and functions as assigned.Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.Qualifications: 6-10 years previous credit analysis experience required.Previous commercial credit authority preferred.Good corporate and merchant credit and exposure analysis skills.Previous demonstrated ability to read and interpret commercial credit bureaus, analyze trade experience, and utilize external financial resources to underwrite commercial credit requests is required.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.
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