ICM Underwriting Credit Associate - Corporate Credit - REITs / REOCs

Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi's institutional clients. ICM's objective is to provide integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise. Within ICM, the Credit Underwriting function ("ICM UW" or "UW") provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking, Services, and Markets relationships.

ICM Credit Associates in Real Estate Corporate Loan Portfolio ("CLP") manage a NAM (North America) portfolio of corporate clients, focused on REITs, REOCs, Homebuilders, and Gaming, being responsible for the continuous monitoring of that portfolio. That includes the production of annual reviews, quarterly reviews, and the support of ad-hoc transactions and portfolio & industry reviews and stress testing, in partnership with Front Office and Risk.

Key Responsibilities

Executes, aligned with global and regional strategies, all responsibilities regarding underwriting, including, but not limited to :

• Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions to development of credit approval memos
• Drafting of Credit Approval Memo (CAM) packages including but not limited to ensuring they are complete and accurate
• Conducting initial financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis
• Support relationships with key stakeholders in Banking and Risk and with key Regulators, Internal Audit, and control functions
• Support ICM Underwriting organization on strategic initiatives / projects as required

Risk Management Experience :

Client Relationships / Business Partnership :

Qualifications :

Job Family Group : Risk Management

Job Family : Credit Decisions

Time Type : Full time

Primary Location :

New York New York United States

Primary Location Full Time Salary Range :

$109,120.00 - $163,680.00

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, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

Other Relevant Skills

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

Anticipated Posting Close Date :

Jul 25, 2025

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