Citi’s commercial lending management (clm) organization is a core first line of defense credit function supporting citi’s commercial bank. Clm partners closely with relationship managers, independent risk, and control functions to deliver disciplined underwriting, strong portfolio oversight, and well‑structured financial solutions for institutional and commercial clients.
We are seeking a credit underwriter to join the clm underwriting team in mexico city. This role supports the end‑to‑end credit lifecycle, including underwriting, structuring, documentation, and ongoing portfolio monitoring, while partnering closely with senior credit officers and regional stakeholders.
This position is ideal for experienced credit professionals seeking to deepen institutional credit expertise, gain regional and global exposure, and progress toward senior credit leadership roles within a global financial institution.
Role overview
the credit underwriter is responsible for underwriting and monitoring credit risk across a diversified portfolio of commercial banking clients. The role plays a key part in supporting credit approval decisions, ensuring sound risk judgment, and maintaining portfolio discipline in line with global standards and local regulatory requirements.
Key responsibilities
credit underwriting & analysis
execute end‑to‑end credit underwriting, from initial transaction discussions through approval
prepare, review, and manage credit approval memoranda (cams), ensuring quality, completeness, and policy compliance
perform financial statement analysis, cash‑flow projections, stress testing, risk ratings, and industry assessments
produce and maintain annual and quarterly credit reviews for assigned portfolio
portfolio & transaction support
support new transactions, renewals, amendments, and ad‑hoc credit requests
participate in portfolio reviews, sector deep‑dives, and stress‑testing exercises
monitor covenant compliance, exposure, and early warning indicators
risk governance & stakeholder interaction
partner effectively with relationship managers, independent risk, compliance, and internal audit teams
apply global credit risk standards while incorporating local market and regulatory considerations
contribute to timely escalation and resolution of emerging credit issues
team & strategic contribution
support clm underwriting initiatives, process improvements, and best‑practice adoption
contribute to a strong risk culture through disciplined analysis and sound judgment
provide guidance and technical support to junior analysts as needed
required experience & qualifications
5–8 years of relevant experience in credit underwriting, credit risk, corporate/commercial banking, or related roles
advanced english proficiency (written and verbal), given interaction with regional and global teams
strong foundation in financial analysis and credit assessment methodologies
ability to evaluate financial statements, industries, and transaction structures
bachelor’s degree in finance, economics, accounting, or a related field (or equivalent experience)
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