Credit Officer - Associate Vice President - MUMBAI

Work proactively with the Underwriting team/ Asset Manager to ensure timely information flow/ communications among all internal stakeholders Review property-level financials (operating statements, rent rolls, NOI) and borrower/guarantor financial statements including REO exposure, to identify deteriorating trends and support portfolio reviews. Oversee and review the work product of junior analysts, providing constructive feedback to ensure quality, accuracy, and timely delivery in line with credit policies and WCR standards. Assist with classification and risk rating processes. Identify data trends & deteriorating asset performance. Keep abreast of industry/market developments and customer-specific events; consult with the Business and Underwriting on any action plans per policies (e.g., transaction classification changes) Monitor the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers with the aim of identifying and mitigating credit risks. Assist with classification and risk rating processes, decisions and monitoring Monitor projects under development, including oversight of construction progress, budget tracking, draw reviews, execution risks, risk ratings, and annual reviews through completion and stabilization. Prepare annual credit approval and quarterly memos in a timely manner Assist with stress testing, concentration analysis, audits, risk ratings, and credit policy initiatives Maintain audit-ready credit files in line with WCR policies

and Experience: 6+ years of experience in credit analysis, portfolio management, underwriting, or structuring at a financial institution, rating agency, financial guarantor, or asset management firm Strong Microsoft Office skills. Modelling experience is a plus Strong attention to detail – Analyst will have responsibility for due diligence and documentation of transactions to ensure that all risk, business and policy points are covered Oral and written communications skills enabling him or her to effectively interact with internal and external constituents of all levels Team player with strong work ethic who also works well with others at all levels Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively The ability to work independently to meet tight deadlines and initiate ideas with other members of the RESCU team and Independent Risk to mitigate risk. Real estate or structured credit experience preferred Education: MBA or CFA or CA ------------------------------------------------------ Job Family Group: Risk Management------------------------------------------------------ Job Family: Credit Risk------------------------------------------------------ Time Type: Full time------------------------------------------------------ Most Relevant Skills Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------ 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. View Citi’s EEO Policy Statement and the Know Your Rights poster.