Senior Credit Underwriter
Citi · Chicago, IL · 1 mo ago
HybridFinance$144k–$217k/yrFull-time
We need to output HTML fragment with sections: About the role, Responsibilities, Requirements (maybe Qualifications), Skills, Benefits, Pay, Schedule. Must only include sections that have real specific content. Use for headings. Use
for headings. Use - for lists. Use
for prose. No job title heading. No Job ID etc. Remove boilerplate. Must preserve all substantive info.
We need to extract content:
- About the role: first paragraph(s) describing role: "Citi is looking for a Senior Credit Underwriter to assess and manage complex credit risk across a portfolio of commercial banking clients, playing a pivotal role in shaping sound lending decisions at one of the world's leading global banks. In this position, you will apply deep financial expertise to evaluate high-value credit exposures, ensure compliance with credit and regulatory standards, and contribute directly to the performance and integrity of Citi's Commercial Banking business. You will work alongside experienced bankers and credit professionals, bringing analytical rigour and strategic judgement to transactions that matter."
That's about the role.
- Responsibilities: bullet list under "Responsibilities". The posting lists many responsibilities each starting with a verb. We'll put them as
- .
List:
- Assess credit extension requests for new and existing commercial clients, leading the underwriting of complex, higher-value transactions and producing thorough annual credit reviews.
- Conduct detailed financial analysis of companies, including trend analysis, ratio assessment, and interpretation of financial statements to evaluate creditworthiness and repayment capacity.
- Evaluate collateral performance across accounts receivable, inventory, machinery, equipment, and real estate to identify changes in trends and assess secondary repayment sources.
- Monitor borrower compliance through monthly and quarterly reviews, tracking adherence to loan covenants and flagging material deviations to the relevant stakeholders.
- Ensure credit decisions align with Citi's credit policies and regulatory requirements, contributing to satisfactory outcomes in internal and external audits.
- Mentor and train less experienced credit staff across application processing, credit analysis, and loan closing, building team capability and knowledge transfer.
- Conduct industry and geographical research and due diligence to support informed credit decisions and identify emerging risk factors.
- Identify and recommend process improvements that increase the efficiency and effectiveness of the credit underwriting function.
- Required Qualifications & Skills: This is a mix of qualifications and skills. We could split into Requirements (Qualifications) and Skills sections. The posting has "Required Qualifications & Skills" then bullet list (actually numbered list). Items:
1. 10 or more years of experience in credit analysis or underwriting within a financial institution, with direct involvement in loan officer or underwriting responsibilities.
2. Advanced ability to read, interpret, and assess company financial statements, cash flow projections, and competitive and industry analysis in the context of credit risk.
3. Solid knowledge of intermediate accounting theory and its practical application in the credit underwriting process.
4. Demonstrated ability to manage multiple assignments simultaneously, maintaining accuracy and meeting deadlines in a structured office environment.
5. Clear and effective written and verbal communication skills, with the ability to influence and engage senior stakeholders and colleagues across business areas.
6. Proficiency in Microsoft Excel and Word, including the use of graphs and charts, as well as Moody's financial analysis software.
7. Bachelor's degree or equivalent university-level qualification in a relevant discipline.
Then "Beneficial Skills & Qualifications" list:
- A background in credit training programmes, lending, or formal credit officer development within a regulated financial institution.
- A degree in finance or accounting, or a Master's degree in a related field.
- Familiarity with commercial banking products and services across a broad institutional context.
We could treat "Required Qualifications & Skills" as Requirements (maybe combine qualifications and skills). But we also have a separate "Skills" section maybe for beneficial? The instruction: Use headings for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we can have Requirements and Skills separate. We'll put required qualifications under Requirements, and required skills under Skills? But the list includes both qualifications and skills. Could split: Requirements: the experience, degree, etc. Skills: abilities like financial analysis, accounting knowledge, communication, proficiency in Excel, Moody's software. However the list includes both. To keep it simple, we could have Requirements (qualifications) and Skills (both required and beneficial). But we need to avoid duplication. Let's decide:
- Requirements: list the mandatory qualifications: 10+ years experience, Bachelor's degree, proficiency in Microsoft Excel and Word, Moody's software? Actually proficiency is skill. But we can treat as requirement.
Better: Use Requirements for the bullet list under "Required Qualifications & Skills". Then Skills for the "Beneficial Skills & Qualifications". That seems logical: Required Qualifications & Skills as Requirements; Beneficial Skills & Qualifications as Skills.
Thus:
Requirements
- 10 or more years of experience in credit analysis or underwriting within a financial institution, with direct involvement in loan officer or underwriting responsibilities.
- Advanced ability to read, interpret, and assess company financial statements, cash flow projections, and competitive and industry analysis in the context of credit risk.
- Solid knowledge of intermediate accounting theory and its practical application in the credit underwriting process.
- Demonstrated ability to manage multiple assignments simultaneously, maintaining accuracy and meeting deadlines in a structured office environment.
- Clear and effective written and verbal communication skills, with the ability to influence and engage senior stakeholders and colleagues across business areas.
- Proficiency in Microsoft Excel and Word, including the use of graphs and charts, as well as Moody's financial analysis software.
- Bachelor's degree or equivalent university-level qualification in a relevant discipline.
Skills
- A background in credit training programmes, lending, or formal credit officer development within a regulated financial institution.
- A degree in finance or accounting, or a Master's degree in a related field.
- Familiarity with commercial banking products and services across a broad institutional context.
Now Benefits: The posting has "What we offer" paragraph with several bullet-like sentences. We need to extract benefits: hybrid working model, strategic influence, access to learning resources, competitive compensation and benefits package, opportunity to mentor, wellbeing support and work-life balance provisions. Also mention medical, dental & vision coverage; 401(k); life, accident, disability insurance; wellness programs; paid time off packages. Also mention that offerings may vary.
We should create a Benefits section with list items.
Pay: The posting includes salary range: "Primary Location Full Time Salary Range: $144,480.00 - $216,720.00". Also mentions discretionary and formulaic incentive and retention awards. So we have pay info. We'll create Pay section with that.
Schedule: The posting mentions hybrid working model with 3 days in office and 2 days remote. That's schedule info. Also mentions full time. So we can create Schedule section with that.
We must not include sections with filler like "commensurate with experience". We have real content.
Now we need to strip boilerplate: remove cookie/navigation/legal/EEO etc. Also remove lines like "Job Family Group: Risk Management", "Job Family: Credit Risk", "Time Type: Full time", "Primary Location: Chicago Illinois United States", "Primary Location Full Time Salary Range: ..." but we used salary range. However the line "Primary Location Full Time Salary Range:" is part of metadata but we need salary. We can keep salary info but not the label "Primary Location Full Time". We'll just include salary range.
We also need to drop "Working Environment: office setting, minimal travel required. Effort: minimal physical effort required." That's not needed for sections? Could be part of About the role? It's minor metadata; we can drop.
Also drop "Job Family Group", "Job Family", "Time Type", "Primary Location", etc.
Also drop "Most Relevant Skills", "Other Relevant Skills", "Anticipated Posting Close Date", "Automated Processing and AI", EEO boilerplate.
Now compose HTML fragment.
Structure:
About the role
...
Responsibilities
...
Requirements
...
Skills
...
Benefits
...
Pay
...
Schedule
...
Check that we don't repeat job title.
Now craft content.
About the role paragraph: combine the two sentences.
"Citi is looking for a Senior Credit Underwriter to assess and manage complex credit risk across a portfolio of commercial banking clients, playing a pivotal role in shaping sound lending decisions at one of the world's leading global banks. In this position, you will apply deep financial expertise to evaluate high-value credit exposures, ensure compliance with credit and regulatory standards, and contribute directly to the performance and integrity of Citi's Commercial Banking business. You will work alongside experienced bankers and credit professionals, bringing analytical rigour and strategic judgement to transactions that matter."
That's fine.
Responsibilities list as above.
Requirements list as above.
Skills list as above.
Benefits list: extract from "What we offer" paragraph and later benefits.
Paragraph: "At Citi, senior credit professionals gain meaningful ownership over decisions that shape the quality of our commercial lending portfolio. You will operate in a collaborative, performance-focused environment with access to global resources, continuous professional development, and the tools to make a measurable impact from day one. A hybrid working model with 3 days in the office and 2 days working remotely, giving you flexibility alongside meaningful team collaboration.Strategic influence over credit risk decisions on complex, high-value transactions within Citi's Commercial Banking business.Access to learning and professional development resources to deepen your expertise and advance your career at a global financial institution.A competitive compensation and benefits package, including financial wellbeing support designed for senior professionals.The opportunity to mentor and develop the next generation of credit professionals, building lasting impact within the team.Wellbeing support and work-life balance provisions that recognise the demands of a senior-level role."
Then later: "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."
We'll combine benefits into list items:
- Meaningful ownership over decisions shaping commercial lending portfolio.
- Collaborative, performance-focused environment with access to global resources, continuous professional development, and tools to make measurable impact from day one.
- Hybrid working model: 3 days in office, 2 days remote (flexibility with team collaboration).
- Strategic influence over credit risk decisions on complex, high-value transactions within Citi's Commercial Banking business.
- Access to learning and professional development resources to deepen expertise and advance career.
- Competitive compensation and benefits package, including financial wellbeing support for senior professionals.
- Opportunity to mentor and develop the next generation of credit professionals.
- Wellbeing support and work-life balance provisions recognizing senior-level role demands.
- Discretionary and formulaic incentive and retention awards for eligible employees.
- Competitive employee benefits: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; wellness programs.
- Paid time off: planned (vacation), unplanned (sick leave), and paid holidays.
We could keep as list.
Pay section: include salary range and mention discretionary awards.
"Salary range: $144,480.00 – $216,720.00, with potential discretionary and formulaic incentive and retention awards."
Schedule section
for prose. No job title heading. No Job ID etc. Remove boilerplate. Must preserve all substantive info. We need to extract content: - About the role: first paragraph(s) describing role: "Citi is looking for a Senior Credit Underwriter to assess and manage complex credit risk across a portfolio of commercial banking clients, playing a pivotal role in shaping sound lending decisions at one of the world's leading global banks. In this position, you will apply deep financial expertise to evaluate high-value credit exposures, ensure compliance with credit and regulatory standards, and contribute directly to the performance and integrity of Citi's Commercial Banking business. You will work alongside experienced bankers and credit professionals, bringing analytical rigour and strategic judgement to transactions that matter." That's about the role. - Responsibilities: bullet list under "Responsibilities". The posting lists many responsibilities each starting with a verb. We'll put them as
- .
List:
- Assess credit extension requests for new and existing commercial clients, leading the underwriting of complex, higher-value transactions and producing thorough annual credit reviews.
- Conduct detailed financial analysis of companies, including trend analysis, ratio assessment, and interpretation of financial statements to evaluate creditworthiness and repayment capacity.
- Evaluate collateral performance across accounts receivable, inventory, machinery, equipment, and real estate to identify changes in trends and assess secondary repayment sources.
- Monitor borrower compliance through monthly and quarterly reviews, tracking adherence to loan covenants and flagging material deviations to the relevant stakeholders.
- Ensure credit decisions align with Citi's credit policies and regulatory requirements, contributing to satisfactory outcomes in internal and external audits.
- Mentor and train less experienced credit staff across application processing, credit analysis, and loan closing, building team capability and knowledge transfer.
- Conduct industry and geographical research and due diligence to support informed credit decisions and identify emerging risk factors.
- Identify and recommend process improvements that increase the efficiency and effectiveness of the credit underwriting function.
- Required Qualifications & Skills: This is a mix of qualifications and skills. We could split into Requirements (Qualifications) and Skills sections. The posting has "Required Qualifications & Skills" then bullet list (actually numbered list). Items:
1. 10 or more years of experience in credit analysis or underwriting within a financial institution, with direct involvement in loan officer or underwriting responsibilities.
2. Advanced ability to read, interpret, and assess company financial statements, cash flow projections, and competitive and industry analysis in the context of credit risk.
3. Solid knowledge of intermediate accounting theory and its practical application in the credit underwriting process.
4. Demonstrated ability to manage multiple assignments simultaneously, maintaining accuracy and meeting deadlines in a structured office environment.
5. Clear and effective written and verbal communication skills, with the ability to influence and engage senior stakeholders and colleagues across business areas.
6. Proficiency in Microsoft Excel and Word, including the use of graphs and charts, as well as Moody's financial analysis software.
7. Bachelor's degree or equivalent university-level qualification in a relevant discipline.
Then "Beneficial Skills & Qualifications" list:
- A background in credit training programmes, lending, or formal credit officer development within a regulated financial institution.
- A degree in finance or accounting, or a Master's degree in a related field.
- Familiarity with commercial banking products and services across a broad institutional context.
We could treat "Required Qualifications & Skills" as Requirements (maybe combine qualifications and skills). But we also have a separate "Skills" section maybe for beneficial? The instruction: Use headings for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we can have Requirements and Skills separate. We'll put required qualifications under Requirements, and required skills under Skills? But the list includes both qualifications and skills. Could split: Requirements: the experience, degree, etc. Skills: abilities like financial analysis, accounting knowledge, communication, proficiency in Excel, Moody's software. However the list includes both. To keep it simple, we could have Requirements (qualifications) and Skills (both required and beneficial). But we need to avoid duplication. Let's decide:
- Requirements: list the mandatory qualifications: 10+ years experience, Bachelor's degree, proficiency in Microsoft Excel and Word, Moody's software? Actually proficiency is skill. But we can treat as requirement.
Better: Use Requirements for the bullet list under "Required Qualifications & Skills". Then Skills for the "Beneficial Skills & Qualifications". That seems logical: Required Qualifications & Skills as Requirements; Beneficial Skills & Qualifications as Skills.
Thus:
Requirements
- 10 or more years of experience in credit analysis or underwriting within a financial institution, with direct involvement in loan officer or underwriting responsibilities.
- Advanced ability to read, interpret, and assess company financial statements, cash flow projections, and competitive and industry analysis in the context of credit risk.
- Solid knowledge of intermediate accounting theory and its practical application in the credit underwriting process.
- Demonstrated ability to manage multiple assignments simultaneously, maintaining accuracy and meeting deadlines in a structured office environment.
- Clear and effective written and verbal communication skills, with the ability to influence and engage senior stakeholders and colleagues across business areas.
- Proficiency in Microsoft Excel and Word, including the use of graphs and charts, as well as Moody's financial analysis software.
- Bachelor's degree or equivalent university-level qualification in a relevant discipline.
Skills
- A background in credit training programmes, lending, or formal credit officer development within a regulated financial institution.
- A degree in finance or accounting, or a Master's degree in a related field.
- Familiarity with commercial banking products and services across a broad institutional context.
About the role
...
Responsibilities
- ...
Requirements
- ...
Skills
- ...
Benefits
- ...
Pay
...
Schedule
...
Check that we don't repeat job title. Now craft content. About the role paragraph: combine the two sentences. "Citi is looking for a Senior Credit Underwriter to assess and manage complex credit risk across a portfolio of commercial banking clients, playing a pivotal role in shaping sound lending decisions at one of the world's leading global banks. In this position, you will apply deep financial expertise to evaluate high-value credit exposures, ensure compliance with credit and regulatory standards, and contribute directly to the performance and integrity of Citi's Commercial Banking business. You will work alongside experienced bankers and credit professionals, bringing analytical rigour and strategic judgement to transactions that matter." That's fine. Responsibilities list as above. Requirements list as above. Skills list as above. Benefits list: extract from "What we offer" paragraph and later benefits. Paragraph: "At Citi, senior credit professionals gain meaningful ownership over decisions that shape the quality of our commercial lending portfolio. You will operate in a collaborative, performance-focused environment with access to global resources, continuous professional development, and the tools to make a measurable impact from day one. A hybrid working model with 3 days in the office and 2 days working remotely, giving you flexibility alongside meaningful team collaboration.Strategic influence over credit risk decisions on complex, high-value transactions within Citi's Commercial Banking business.Access to learning and professional development resources to deepen your expertise and advance your career at a global financial institution.A competitive compensation and benefits package, including financial wellbeing support designed for senior professionals.The opportunity to mentor and develop the next generation of credit professionals, building lasting impact within the team.Wellbeing support and work-life balance provisions that recognise the demands of a senior-level role." Then later: "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." We'll combine benefits into list items: - Meaningful ownership over decisions shaping commercial lending portfolio. - Collaborative, performance-focused environment with access to global resources, continuous professional development, and tools to make measurable impact from day one. - Hybrid working model: 3 days in office, 2 days remote (flexibility with team collaboration). - Strategic influence over credit risk decisions on complex, high-value transactions within Citi's Commercial Banking business. - Access to learning and professional development resources to deepen expertise and advance career. - Competitive compensation and benefits package, including financial wellbeing support for senior professionals. - Opportunity to mentor and develop the next generation of credit professionals. - Wellbeing support and work-life balance provisions recognizing senior-level role demands. - Discretionary and formulaic incentive and retention awards for eligible employees. - Competitive employee benefits: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; wellness programs. - Paid time off: planned (vacation), unplanned (sick leave), and paid holidays. We could keep as list. Pay section: include salary range and mention discretionary awards. "Salary range: $144,480.00 – $216,720.00, with potential discretionary and formulaic incentive and retention awards." Schedule section