The Infrastructure Finance (IF) and Clean Energy Finance (CEF) Underwriter will cover large and complex products globally and will manage the credit review process. The team’s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Risk and Banking shared commitment to ensuring the safety and soundness of wholesale lending across ICM. The Analyst position is responsible for a portfolio of IF and CEF Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio & Industry Reviews and Stress Testing. The Analyst is expected to have a deep understanding of credit risk, of Citi´s internal policies and procedures, and of being knowledgeable about the industry fundamentals the portfolio belongs to. They should need minimal supervision from their respective Team Leads and be able to carry thoughtful conversations with Risk and Banking partners. Key Responsibilities:  Assess the credit and financial strength of Citi’s IF and CEF clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors. These include performing detailed financial analysis, identifying the strengths and prevailing risk factors and rendering a final credit recommendation  Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite  Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Team Leads, Risk and Banking partners  Running financial modeling of the IF and CEF clients to provide a view of projected cash flow profile, including running various stress sensitivities, and Enterprise Valuation  Reviewing and providing recommendation on the risk rating across this sector  Maintain compliance with bank credit policies/practices and regulatory policies to ensure business unit is in adherence and receives satisfactory ratings from internal and external auditors. Qualifications: Risk & Credit Underwriting:  Well developed analytical skills, including an understanding of key financial statements and accounting with the ability to identify root causes and trends and anticipate issues  Forms independent opinions on credit and recognizes emerging risks  Demonstrates advanced knowledge of financial statements and GAAP accounting or similar governance relating to country of operation  Solid understanding of Credit Policy and procedures; Proactively reviews Citi policies and procedures to benchmark against transactions and work submitted  Demonstrates and executes the ability to identify potential risk issues that need escalation and escalates them promptly Leadership:  Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more  Embraces the need for change and appreciates its benefits with natural curiosity  Demonstrates professionalism by being reliable, actively contributing in meetings, asking questions and challenging ideas Competencies:  Highly e􀆯ective interpersonal skills, with the ability to build relationships  Solid organizational skills with ability and willingness to work under pressure and manages time and priorities e􀆯ectively  Exceptional written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority  Advanced Microsoft O􀆯ice (Word, Excel, and PowerPoint) skills  Advanced experience with Financial Modeling **Education:** + MBA (Finance), CA or CFA This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. ------------------------------------------------------ **Job Family Group:** Risk Management ------------------------------------------------------ **Job Family:** Credit Decisions ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ _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 (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)_ _._ _View Citi’s_ _EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy)_ _and the_ _Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)_ _poster._ Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.