Officer, Credit Initiation Underwriting (Secured Loan)

At Citi, we get to connect millions of people across hundreds of cities and countries every day. And we've been doing it for more than 200 years. We do this through our unparalleled global network. We provide a broad range of financial services and products to our clients – whether they be consumers, corporations, governments or institutions – to help them meet their biggest opportunities and face the world's toughest challenges.

Shape your Career with Citi

Citi’s Wealth 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. The strategies we create 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.

We’re currently looking for a high caliber professional to join our team as Officer, Credit Initiation Underwriting (Secured Loan) - Hybrid (Internal Job Title: Credit Maint Intmd Analyst – C11) based in Hong Kong. Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future. For instance:

• 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.
• We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That’s why in early 2020 we began rolling out our expanded Paid Parental Leave Policy to include Citi employees around the world.
• 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. In 2019, Citi employee volunteers contributed more than 1 million volunteer hours around the world.

In this role, you’re expected to:

• 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.

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

• 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