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Join Citi as a Commercial Real Estate Senior Underwriter and shape global real estate portfolios.
Apply your underwriting expertise to high‑value clients across UK, Europe, and worldwide.
Discover your future at Citi Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.
Job Overview
At Citi, you’ll have the opportunity to expand your skills and experience and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning.
Responsibilities:
Work closely with senior underwriters and loan originators in the initial assessment and structuring of credit opportunities
Conduct comprehensive financial analysis of commercial real estate assets (e.g., office, industrial, retail, hospitality, multifamily) and associated sponsors/borrowers, including historical performance, pro forma cashflow projections and sensitivity analysis, tenancy schedules, operating costs, balance sheet analysis
Conduct due diligence leveraging research and due diligence report providers
Prepare well-reasoned and succinct credit approval memorandums, identifying key risks and mitigants; make credit decision recommendations including risk ratings and regulatory classifications
Assist with the negotiation of legal documentation for new, refinancing, or restructuring transactions, negotiating credit facilities with the assistance of external legal counsel
Interact with clients, their representatives and advisors, as required throughout the initial underwriting, deal execution and portfolio management of loans
Manage the periodic information, covenant monitoring, annual reviews, waivers & extensions for each credit relationship, managing appropriate hand-offs to the portfolio management support team
Proactively identify early warning signs of credit deterioration and elevate concerns to senior portfolio managers, proposing corrective actions
Ensures all transactions are in compliance with regulatory and Citi guidelines, policies and procedures
Stay abreast of trends and developments within relevant markets
Qualifications:
A good track record of relevant experience
Strong and proven analytical, financial analysis, due diligence and execution skills
Experience in commercial real estate and credit risk underwriting strongly preferred
Excellent communication (written and verbal) and interpersonal skills
Team player attitude and ability to work independently
Good negotiation and diplomacy skills
Displays flexibility and initiative in a demanding environment
Education:
Bachelor's/University degree or equivalent experience
Certification Regime
Candidates applying for this role must be aware that it is a Certified Role, subject to the Certification Regime. The Certification Regime is one element of the Individual Accountability Regime which has come into effect on 7 March 2016. Under the Certification Regime, certain Citi entities must ensure that employees working in certain roles categorised as specified significant harm functions (Certified Roles) are assessed as fit and proper to carry out their role. Under the guidance provided by the FCA and PRA, firms should have regard to the following when assessing fitness and propriety: Honesty, integrity and reputation Financial soundness Competence and capability In order to comply with the requirements of the Certification Regime, certain Citi entities must take reasonable care to ensure that an employee does not perform a Certified Role without first being certified as Fit and Proper. For this reason, you will be assessed for this role against the Fit and Proper requirements, as described above. This assessment will be carried out through extensive interviews, self-disclosures, permitted criminal record checks, reference checks, credit checks and other background checks. If hired for this role, you will also be required to complete an annual declaration regarding your Fitness and Propriety. By submitting your application, you acknowledge that you have read the information above and that you are applying for a Certified Role. You also agree to Citi carrying out any additional screening required, including permitted criminal record checks, reference checks, credit checks and any other background checks.
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.
Legal Notice
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.
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