Citi Group North America - Commodities Underwriter Senior Vice President 

United States, Texas, Houston 

380715737

• Provide first line of defense credit approval for BAU transaction activity and take a leadership role in seeking second line Risk approvals
• Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process to include early origination discussions, development of credit approval memos, and senior approval forums in line with internal policies and standards
• Ensure Credit Approval Memo (CAM) packages are clear, complete, and accurate
• Detailed reviews of financial data, capital structure analysis, projection modeling, stress testing, and other in-depth analysis performed by junior resources
• ​Facilitate relationships with key internal stakeholders within Commodities, Banking, and Risk and with key Regulators, Internal Audit and control functions
• Support strategic Commodities and Credit related initiatives/projects
• Ability to mentor and train junior team members

• Senior credit approval authority covering both small, large and complex underwritings, capital commitments and derivatives with across multiple industries
• Deep experience in all aspects of credit underwriting including understanding of corporate finance and ability to model company financial statements. Exposure to Natural Resources within a major banking institution a plus (commodity traders/marketers, energy, metals/mining, etc.).
• Ability to work within the bank’s Credit Risk Management framework, policies, and procedures
• Ability to conduct business due diligence and assess a company’s specific strengths and weaknesses and competitive position within its industry
• Ability to understand Markets and Capital Markets products and complex financing and product structures
• Ability to provide strategic insights with strong sensitivity to macro and regulatory issues, and impact of such issues on the various Risk families, including operational and franchise risks
• Strong written and verbal communication skills with the ability to tailor messaging across stakeholder audiences within a global banking organization
• Independent problem-solving skills with the ability to adapt and prioritize workflows and meet deadlines created according to business and/or regulatory needs
• Ability to handle adversity, provide thoughtful challenge, and effective feedback to the business at junior and senior levels and with the ability to adapt inferior transactions into approvable structures
• Invests in junior personnel through leading, training, and developing a tailored fundamental credit analysis skillset specific to commodity centric clients
• Knowledge of trading documentation (ISDA, EEI, GTCs, NAESB, WSPP, MPSA, etc.)
• Bachelor’s degree in Business Administration, Finance, or Economics preferred as well as advanced degree or license such as MBA, CFA, CPA
• Completion of Formal Credit Training at a large financial institution a plus

• Proven ability to understand nuances of local markets, local regulation, and the capabilities and practices of competitors
• Navigates organizational complexity and breaks silos
• Creates and sustains a network of strong partnerships with the business in all segments & geographies and other risk functions
• Provides well-reasoned, balanced assessments of risk/return trade-offs associated with transactions and client relationships
• Proven track record of partnering with global peers in leveraging and implementation of best practices

• 8+ years risk/risk-related credit work experience in banking/financial institutions
• Senior Credit Officer designation is preferred
• Self-starter with an entrepreneurial spirit excited to support a growing and dynamic business segment and portfolio
• Proven ability to effectively engage with regulators and internal control functions including Internal Audit and Fundamental Credit Risk as well as with external audit
• Demonstrates strong ethics and integrity
• Ability to see the ‘big picture’ in a complex environment
• Can make decisions under pressure and short timeline
• Excellent verbal & written communication skills as well as active listening skills.
• Demonstrated influencing and negotiating ability, resolution of conflicts amongst various constituencies, often at a senior level
• Excellent presentation skills – adept at presenting effectively to audiences of various sizes and seniority levels

• Bachelor’s degree in Business Administration, Finance, or Economics preferred as well as advanced degree or license such as MBA, CFA, CPA

Anticipated Posting Close Date:

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