The Funds UW Analyst facilitates the end-to-end lending process directly supporting the responsible Credit Officer.  Funds UW is essential for the delivery of a wide range of financial solutions to Citi CCB clients, working in direct partnership with Relationship Managers and Independent Risk, to execute on the firm’s and client’s business objectives.  This can include working capital solutions, term loans and M&A financing, treasury and liquidity management services, foreign exchange, trade finance and interest rate derivatives.  The primary responsibilities of Funds UW include credit underwriting, due diligence, structuring and documentation, and portfolio monitoring.  As part of the business and in direct partnership with relationship coverage bankers, Funds UW team provide thorough, objective analysis of the financial condition and credit worthiness of borrowers, including prevailing covered industry sector and product/market conditions, as well as the appropriate credit structure based on various risk considerations.

The Funds UW Analyst is responsible for supporting the underwriting and monitoring of a material amount of credit risk associated with capital deployed across a variety of lending products appropriate for commercial banking relationships.  The Funds UW Analyst provides critical support with driving internal analytical work product that serves to underpin credit approval decisions and maintains ongoing credit oversight of the lending portfolio relationships through quarterly and/or annual reviews along with covenant and other reporting monitoring, as applicable.  The Funds industry/specialty vertical requires developing knowledge of the unique sector/product drivers and key performance indicators to make well-informed credit underwriting decisions and proactively manage the portfolio based on a dynamic environment.  The Funds UW Analyst assists with the production of sector and sub-segment insights for key internal and external stakeholders and develops the credit-specific risk assessments on new originations and portfolio requests.

The Funds UW Analyst role also requires the individual to develop an understanding of various Citi Wholesale Credit (WCR) and CCB-specific credit policies, processes, and procedures, and how to apply these concepts consistently in practice, including ensuring the portfolio is appropriately risk-rated and classified, properly secured (if applicable) and that early warning signs are established and proactively addressed. 

An Analyst in ICM CCR Funds UW can contribute to strategic projects for NAM or Global initiatives and provide critical inputs that direct the future of credit formation within the CCB.  Additionally, the Funds UW Analyst is expected to rapidly develop the necessary technical skills through training from various teams and forums across CCB and ICM to promote the development and application of credit skills.

Key Responsibilities

• Facilitate the end-to-end lending process within the CCB for Asset Management Company clients that manage traditional real money funds, hedge funds, and private equity funds
• Rapidly develop knowledge of Funds portfolio and industry, and create well-supported analysis that effectively balances risk and business objectives
• Ensure appropriate regulatory classification and minimizing net credit losses for covered portfolio, as well as identify emerging areas of concerns that should be escalated
• Produce the underlying analysis and workflow supporting underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, including the related diligence
• Timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio

• Facilitate the loan documentation process for both new transactions and amendments or modifications; including coordination with internal partners and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents
• Attend periodic meetings regarding covered portfolio clients and select new to bank opportunities in partnership with Funds UW Credit Officer and the Relationship Management team
• Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients
• Mentor and develop more junior staff and other support to become effective resources and future contributors
• Recommend and champion changes to improve existing processes to achieve greater efficiency and controls
• Work proactively, and in a constructive and diplomatic manner, with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls

Qualifications

• 1-3 years of banking, finance or related experience in credit underwriting, portfolio and/ or risk management with a multinational financial services organization
• Knowledge of basic accounting and financial concepts and their practical application in the credit underwriting process
• Basic understanding of Counterparty Credit Risk topics and investment product risk concepts, such as portfolio risk, stress testing, Greeks/sensitivities, bond pricing, derivatives
• Excellent communication (written, verbal, presentation and listening) and organizational skills; ability to complete multiple priorities in a timely manner
• Demonstrates learning agility: seeks out resources and experience to continually build knowledge/skills; quickly and successfully applies learning to new situations
• Proficient in spreadsheet, word processing and presentation applications, including strong data visualization skills
• Bachelor’s degree in mathematics, science, finance / economics; advanced degree(s) and other certifications considered but not required

Development Values

• Risk management role in the First Line of Defense, with plenty of opportunities to work with CCB and Markets front office and independent risk partners as well as to interact with clients
• Learn about risk management and financing products broadly as mandate covers wide variety of markets products
• Influence the strategic direction of the Bank from a risk management perspective
• Build solid market/credit Risk experience as we use cutting-edge risk models and techniques

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Job Family Group:

Risk Management

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Job Family:

Credit Decisions

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Time Type:

Full time

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Primary Location:

Irving Texas United States

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Primary Location Full Time Salary Range:

$76,230.00 - $106,370.00

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.

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Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

Sep 12, 2025

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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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