Commercial Lending Management Head India - Director

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The CLM Head India / C15 Underwriter role is responsible for underwriting, closing, and leading credit transactions for the Commercial banking portfolio of India and leading the country underwriting teams. The role takes full responsibility for the growth and health of the CCB credit portfolio and works closely with the banking partners in CCB Head to meet business objectives. 

In this role, you’re expected to: Create written and oral work products to test the financial feasibility and credit worthiness of loan forwards, permanent loans, and permanent loan conversions.

Review due diligence and prepare internal committee packages for approval, as well as, credit submissions required for the sale of the loans to Bond Investors and for Rating Agencies. 

Process transactions through internal systems to ensure regulatory requirements.

Manage communications among a diverse mix of internal and external participants.

Understand and analyze different commercial banking environment in India.

Travel to markets throughout the India to conduct site inspections, meet with internal and external clients, and participate in training opportunities.

Conduct analysis on firm special projects as needed.

Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.

As a successful candidate, you’d ideally have the following skills and exposure: 15+ years of experience, including 8-10+ years' managerial experience

Individual must have excellent communication, organizational and interpersonal skills.

Individual must work well under tight deadlines, manage priorities, and complete assigned tasks with minimal management follow up. 

Candidate has quantitative skills with a high proficiency with Excel and other Microsoft based programs.

Minimum of 8 years in loan underwriting or equivalent experience.

Excellent analytical and computer skills including the ability to quickly adopt new technology.

Additional non-core qualifications which will be considered are: The individual should have established working knowledge of lending Underwriting Guides and be familiar with the processes of Rating Agencies. 

The successful candidate will be comfortable analyzing real estate projects for financial feasibility as well as analyzing property and market risk factors.  This person will be well versed in commercial real estate concepts such as NOI, Cap Rates, debt service coverage, etc.

The individual will have the tact and composure to be client focused while also managing internal and external relationships.  A successful Underwriter will take ownership while maintaining attention to details and working independently or among team members. 

This person will have the ability to comprehend, and summarize legal documents collected in the due diligence process. 

Working knowledge of the nuances of loan transactions will be very highly weighted in favor of the successful candidate.

Ability to travel (20% of time) on short notice necessary.  

Education: Bachelor's/University degree, Master's degree preferred.  

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 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.

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