Credit Underwriter (AVP) – Banca Comercial

Citi’s Commercial Lending Management (CLM) organization is a core first line of defense credit function supporting Citi’s Commercial Bank. CLM partners closely with Relationship Managers, Independent Risk, and Control functions to deliver disciplined underwriting, strong portfolio oversight, and well‑structured financial solutions for institutional and commercial clients.

We are seeking a Credit Underwriter to join the CLM Underwriting team in Mexico City. This role supports the end‑to‑end credit lifecycle, including underwriting, structuring, documentation, and ongoing portfolio monitoring, while partnering closely with senior Credit Officers and regional stakeholders.

This position is ideal for experienced credit professionals seeking to deepen institutional credit expertise, gain regional and global exposure, and progress toward senior credit leadership roles within a global financial institution.

Role Overview
The Credit Underwriter is responsible for underwriting and monitoring credit risk across a diversified portfolio of commercial banking clients. The role plays a key part in supporting credit approval decisions, ensuring sound risk judgment, and maintaining portfolio discipline in line with global standards and local regulatory requirements.

Key Responsibilities

Credit Underwriting & Analysis

• Execute end‑to‑end credit underwriting, from initial transaction discussions through approval
• Prepare, review, and manage Credit Approval Memoranda (CAMs), ensuring quality, completeness, and policy compliance
• Perform financial statement analysis, cash‑flow projections, stress testing, risk ratings, and industry assessments
• Produce and maintain annual and quarterly credit reviews for assigned portfolio

Portfolio & Transaction Support

• Support new transactions, renewals, amendments, and ad‑hoc credit requests
• Participate in portfolio reviews, sector deep‑dives, and stress‑testing exercises
• Monitor covenant compliance, exposure, and early warning indicators

Risk Governance & Stakeholder Interaction

• Partner effectively with Relationship Managers, Independent Risk, Compliance, and Internal Audit teams
• Apply global credit risk standards while incorporating local market and regulatory considerations
• Contribute to timely escalation and resolution of emerging credit issues

Team & Strategic Contribution

• Support CLM underwriting initiatives, process improvements, and best‑practice adoption
• Contribute to a strong risk culture through disciplined analysis and sound judgment
• Provide guidance and technical support to junior analysts as needed

Required Experience & Qualifications

• 5–8 years of relevant experience in credit underwriting, credit risk, corporate/commercial banking, or related roles
• Advanced English proficiency (written and verbal), given interaction with regional and global teams
• Strong foundation in financial analysis and credit assessment methodologies
• Ability to evaluate financial statements, industries, and transaction structures
• Bachelor’s degree in Finance, Economics, Accounting, or a related field (or equivalent experience)

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Job Family Group:

Risk Management

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Job Family:

Credit Risk

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Time Type:

Full time

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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.

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Other Relevant Skills

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

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