Underwriter - C11 - SAO PAULO

## For additional information, please review .Underwriter - C11 - SAO PAULO page is loaded## Underwriter - C11 - SAO PAULOlocations: Sao Paulo Sao Paulo Braziltime type: Full timeposted on: Posted Todaytime left to apply: End Date: October 2, 2025 (6 days left to apply)job requisition id: **Full Analyst Profile**Credit Analyst is an intermediate-level position, responsible for conducting credit reviews, monitoring the portfolio to identify the variation in the quality of its customers, in coordination with the Risk Management team. **Responsibilities:*** Conducts risk assessments and customer credit analyses, reviews financial results and peer reviews, and prepares financial projections;* Prepares approval memoranda (Credit Reports and ATAs), conducting due diligence and sensitivity analyses;* Escalates credit concerns/updates to risk and business managers and proposes risk mitigation measures, continuously staying informed of developments/news related to the portfolio and the covered sector and understanding Citi's credit process, policies and risk appetite;* Assists in preparing portfolio review and conducting stress tests;* Participates in credit committees and discussions, proactively;* Engagement in customer visits and calls;* Builds working relationships with multiple teams across the bank, including sales, markets, and product teams;* Resolves issues and recommends solutions to moderate issues;* Serves as an expert and consultant for specific industries;* Advises the commercial area on transaction structures and negotiates credit terms;* Appropriately assess risks during business-related decision-making processes, with particular attention to the reputation and protection of Citi's credit portfolio;* Transparently escalate, manage, and report control issues.**Qualifications:*** Previous experience in credit analysis (3-6 years);* Knowledge of accounting, corporate finance, financial analysis/modeling, credit products, derivatives, risk assessment and transaction execution;* High degree of customer analytical capacity and complex structures. Consistently demonstrate clear and concise communication (written and oral) Proven ability to work with a high degree of autonomy and in a team;* Ability to work with reduced delivery time (sense of urgency);* Ability to negotiate with the commercial area and risks;* Previous experience of DD meetings with clients;* Demonstrated responsibility, self-motivation and business acumen;* Mastery of the Office package.**Education:*** Bachelor's degree/university degree or equivalent experience**Languages:*** Advanced English------------------------------------------------------**Job Family Group:**Risk Management------------------------------------------------------**Job Family:**Credit Decisions------------------------------------------------------**Time Type:**Full time------------------------------------------------------**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.------------------------------------------------------**Other Relevant Skills**For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------*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.**If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review* *.* *View Citi’s and the poster.*
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