Credit Underwriter for Lending Products

4 weeks ago

Hong Kong, Central and Western District, Hong Kong SAR China Citi Full time

Citi is a leading global bank that has been connecting millions of people across hundreds of cities and countries for over 200 years. We achieve this through our unparalleled global network, providing a broad range of financial services and products to our clients.

Our Wealth division brings together the full power of Citi to serve the entire continuum of wealth clients, from affluent to ultra-high net worth to family offices. We create strategies to help our clients maintain liquidity while maximizing yields, transact in foreign currency and across borders, and manage fluctuating expenses or cash flow.

We are uniquely suited to helping our clients meet their banking needs across regions through our global network. As part of our team, you will be provided with the resources to meet your unique needs, empowered to make healthy decisions, and supported in managing your financial well-being to plan for your future.

Earn an estimated salary of $80,000 - $110,000 per year.

About the Role

You will support processing and credit underwriting functions on Lending Products Applications (Mortgage, Investment and Premium Financing Loans) and processed within the established processing turnaround time as well as meeting productivity benchmark.

  • Perform credit assessment activities (including client profiling assessment, credit risk analysis, credit proposal writes up and credit underwriting for new application / line maintenance / annual review) for consumer clients.
  • Make evaluative judgements based on the analysis of application and client information.
  • Analyze/evaluate credit reports as well as coordinate and follow up on actions plans, implementations, and related defects.
  • Review client's application and loan documents as part of credit underwriting process
  • Render support on quality check (eg. day 2 review, quality assurance framework, etc) to ensure compliance with the regulatory requirement, prevailing policy, and procedure.
  • Support projects, development of new workflows and procedures to simplify credit underwriting and post-approval process whenever deemed necessary.
  • Provide administrative support surrounding application processing and portfolio activities (like conducting annual review on existing account holders)
  • Provide training to junior staff / new hire where necessary.
  • Support various control tasks where necessary (eg. Support department manager or supervisor in collating samplings for Audit Review)
  • Appropriately assess risk when business decisions are made, demonstrating 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.
Requirements
  • 4-8 years prior experience in a financial institution
  • Experience in credit operations or similar position
  • Ability to work in a team-oriented environment.
  • Bachelor's degree/University degree or equivalent experience
Benefits

Citi provides programs and services for your physical and mental well-being, including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country.

As a successful candidate, you would ideally have the following skills and exposure:

  • We empower our employees to manage their financial well-being and help them plan for the future.
  • Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses.
  • We have a variety of programs that help employees balance their work and life, including generous paid time off packages.
  • We offer our employees resources and tools to volunteer in the communities in which they live and work.

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