Citi Group Underwriter - Commercial Bank 

Czechia, Prague, Prague 

919947471

As an Underwriter, you will have full oversight of the end-to-end credit process: credit risk monitoring and management, credit package preparations, and credit proposal review/approval. In this client-facing role you will co-operate with other divisions of the Bank, especially with the Sales, Risk and Product teams.

Responsibilities:

• Thoroughly prepare credit applications; check their completeness; request clarifications if necessary; assess them in the context of the valid / relevant policies, procedures and guidelines.

• Prepare independent credit opinion; negotiate and set conditions for credit approval and prepare credit package for approval (as per valid / relevant policies, procedures and guidelines, identifying all exceptions and escalations required.

• Take competent credit decisions according to assigned personal CO Limit and in line with relevant policies, procedures and guidelines.

• Follow and monitor the portfolio of assigned/covered clients through their life-time and escalate proactively and timely all potential credit issues acting as First Line of Defense.

• Effectively manage and closely monitor classified customers covered; propose feasible account strategies avoiding / minimizing potential losses; prepare timely CCMs.

• Prepare and/or approve credit packages within required TAT cycle time and within CLM pipeline agreed rules. Provide timely services to the internal/external customers.

• Obtain and keep profound knowledge of all applicable local and global credit policies, procedures and guidelines. Be compliant and accountable for adherence to them. Act as a keeper of the best practices, share them, promote them and actively cultivate the internal environment (business and CLM). Be ready to align and coordinate across the CEE cluster.

• Participate on CLM tasks/requirements such as round tables, quarterly financial/covenant checks, regular and ad-hoc reporting, portfolio stress testing, audit etc.

• Communicate efficiently across the bank (Business, Risk, Dox, Collateral, CRMS, Legal, Operations, EW and others)

• Provide credit advice to more junior colleagues in CLM and Sales teams, building credit awareness / risk recognition in the bank and cultivating the lending management process.

• Maintain strict confidentiality on all accounts, bank products and policies.

Requirements:

• University degree

• 4-5 years relevant banking experience (analytical, relationship management, EW or remedial position) or another relevant position in banking institution

• Very good knowledge of financial statements and financial analysis and accounting rules, CZ and SK GAAP

• Deep understanding of bank products and collateral types, loan documentation standards, financial and non-financial covenants.

• Good verbal and written communication skills in Czech or Slovak and English.

• Self-organized person with ability to pay attention to details and work under pressure.

• Strong analytical thinking; balanced risk-business approach; ability to apply common sense and to take fast / competent decisions.

• Team player; fast learner; flexible and precise, with positive attitude

• PC skills (MS Office), willingness to learn specific systems used within Credit Approval area.

We’ll provide you with the resources to meet your unique needs, empower you to make healthy decisions, and allow you to choose which benefits suit you and your personal life best.

• Access to a wide variety of learning and development programs, online course libraries and upskilling platforms, such as Udemy and Degreed

• Flexible work arrangements to support colleagues’ in managing work - life balance

• Continuous career progression opportunities across geographies and business lines

• Inclusive and friendly corporate culture

• Socially active employee communities with diverse networking opportunities

• Competitive compensation package with a wide range of benefits:

  • Cafeteria Program

  • Home Office Allowance - for colleagues working in hybrid and remote work models

  • Paid Parental Leave Program - maternity leave and paternity leave

  • Private Medical Care Program and onsite medical rooms at our offices

  • Pension Plan Contribution to voluntary pension fund

  • Group Life Insurance

  • Employee Assistance Program

Time Type:

View the " " poster. View the .

View the .

View the