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$1012k–$1568k/yr
Full-time
bachelor degree
Competitive Base Salary, Annual Salary Review, Hybrid Working Model, Family Support Benefits
Posted 30d ago
~40 hrs/week
Responsibilities
Oversee the end-to-end credit process, including risk monitoring, credit package preparation, and proposal approval. Collaborate with Sales, Risk, and Product teams to manage a portfolio of clients and ensure adherence to global credit policies.
Requirements
Requires a university degree and at least 5 years of relevant banking experience in analytical or relationship management roles. Must possess deep knowledge of IFRS EU accounting rules, financial analysis, and strong English communication skills.
Full job description
Citi Commercial Bank provides global and local banking capabilities and services from emerging to mid-sized corporates worldwide. The position is located in Prague, and it provides great opportunity to leverage on your interpersonal and relationship management skills in a professional environment working with internal and external clients in Western Europe and the UK.
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.
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 European clusters (CE4, Western Europe, the UK).
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
At least 5 years of 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, primarily IFRS EU.
Deep understanding of bank products and collateral types, loan documentation standards, financial and non-financial covenants.
Strong verbal and written communication skills in English. Another language (German, Italian, Spanish, or French) on a solid level is highly desired.
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, and various internal AI tools.
What we can offer you
By joining Citi Prague,you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive base salary (which is annually reviewed) andenjoy a whole host of additional benefitsthat supportyou(and your family)tobe well, live well and save well.Discover moreHERE.
Alongside these benefits Citi is committed to ensuring our workplace is where everyone feels comfortable coming to work as their whole self every day. We want the best talent around the world to be energized to join us, motivated to stay, and empowered to thrive.
Sounds like Citi has everything youneed?Then apply to discover the true extent of your capabilities.
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.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.
Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients. We have over 200 years of experience helping our clients meet the world's toughest challenges and embrace its greatest opportunities. We are Citi, the global bank – an institution connecting millions of people across hundreds of countries and cities.
For information on Citi’s commitment to privacy, visit on.citi/privacy.
Offices: 388 Greenwich Street, New York, New York 10013, US · Locations in over 100 countries, http://www.citigroup.com/citi/global/index.htm, 10022, US · 5900 Hurontario St, Mississauga, ON L5R 0B8, CA · 165 Jalan Ampang, Kuala Lumpur, Federal Territory of Kuala Lumpur 50450, MY · Calle 62C O, Panama City, Panama, PA
BankingCommercial BankingInvestment BankingWealth ManagementCredit CardsCapital MarketsEquity and Fixed Income ResearchConsumer LendingCash Managementand Transaction Services
Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients. We have over 200 years of experience helping our clients meet the world's toughest challenges and embrace its greatest opportunities. We are Citi, the global bank – an institution connecting millions of people across hundreds of countries and cities.
For information on Citi’s commitment to privacy, visit on.citi/privacy.
Offices: 388 Greenwich Street, New York, New York 10013, US · Locations in over 100 countries, http://www.citigroup.com/citi/global/index.htm, 10022, US · 5900 Hurontario St, Mississauga, ON L5R 0B8, CA · 165 Jalan Ampang, Kuala Lumpur, Federal Territory of Kuala Lumpur 50450, MY · Calle 62C O, Panama City, Panama, PA
BankingCommercial BankingInvestment BankingWealth ManagementCredit CardsCapital MarketsEquity and Fixed Income ResearchConsumer LendingCash Managementand Transaction Services