Job Description
Full job description
Job Req Id:
2694XXXXXX
Location(s):
Mumbai, Maharashtra, India
Job Type:
On-Site/Resident
Posted:
Apr. 01, 2026
Discover your future at Citi
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.
Job Overview
Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism.
The Analyst will hold a critical role within the Structured Credit and Real Estate Underwriting (SCREU) team administering a multi-billion-dollar portfolio of real estate and asset securitization transactions. The analyst will support monitoring and underwriting process in conventional and affordable housing as well as related real estate sectors such as covering REITS/REOC, casino/gaming, and homebuilders.
In this role, you’re expected to:
Work proactively with the Underwriting team to ensure timely information flow/ communications among all internal stakeholders
Monitor the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers with the aim of identifying and mitigating credit risks. Assist with classification and risk rating processes, decisions and monitoring
Review servicer reports for accuracy, investigate unusual data trends, identify deteriorating asset performance, and keep abreast of industry and market trends and customer-specific events, which may require contributions to quarterly portfolio reviews and liaising on updates to collateral data
Prepare annual credit approval and quarterly memos in a timely manner
Model transactions for risk rating and stress testing purposes
Assist with special projects including stress testing, portfolio concentration analysis, internal audit & reviews, risk rating processes, Credit Policies and Credit Programs across product groups
Assist in reporting of Basel securitization parameters
Maintain organized credit files for credit, regulatory, and compliance purposes and ensuring compliance with WCR policies and processes.
Review and analyze historical and pro forma financial statements of real estate properties (e.g., operating statements, rent rolls) to ascertain revenue trends, expense structures, and Net Operating Income (NOI)
Examine the financial statements (Balance Sheet, Income Statement, Cash Flow Statement) of borrowers and sponsors to assess their financial health
Basic understanding of real estate valuation methodologies
As a successful candidate, you’d ideally have the following skills and exposure:
3 to 6 years of credit, portfolio management or structuring experience in a financial institution, rating agency, financial guarantor, or asset management firm; real estate or structured credit/securitization experience is a plus
A strong interest in real estate/structured products and credit analysis
Strong Microsoft Office skills. Modelling experience is a plus
Strong attention to detail – Analyst will have responsibility for due diligence and documentation of transactions to ensure that all risk, business and policy points are covered
Oral and written communications skills enabling him or her to effectively interact with internal and external constituents of all levels
Team player with strong work ethic who also works well with others at all levels
Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
Strong attention to detail – Analyst will have responsibility for due diligence and documentation of transactions to ensure that all risk, business and policy points are covered
Oral and written communications skills enabling him or her to effectively interact with internal and external constituents of all levels
The ability to work independently to meet tight deadlines and initiate ideas with other members of the SCREU team and Independent Risk to mitigate risk
Education:
MBA or CFA or CA
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
-
Job Family Group:
Risk Management
-
Job Family:
Credit Risk
-
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, ****** 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 Accessibility at Citi.
View Citi’s EEO Policy Statement and the Know Your Rights poster.
Job Req Id:
2694XXXXXX
Location(s):
Mumbai, Maharashtra, India
Job Type:
On-Site/Resident
Posted:
Apr. 01, 2026
Discover your future at Citi
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.
Job Overview
Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism.
The Analyst will hold a critical role within the Structured Credit and Real Estate Underwriting (SCREU) team administering a multi-billion-dollar portfolio of real estate and asset securitization transactions. The analyst will support monitoring and underwriting process in conventional and affordable housing as well as related real estate sectors such as covering REITS/REOC, casino/gaming, and homebuilders.
In this role, you’re expected to:
Work proactively with the Underwriting team to ensure timely information flow/ communications among all internal stakeholders
Monitor the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers with the aim of identifying and mitigating credit risks. Assist with classification and risk rating processes, decisions and monitoring
Review servicer reports for accuracy, investigate unusual data trends, identify deteriorating asset performance, and keep abreast of industry and market trends and customer-specific events, which may require contributions to quarterly portfolio reviews and liaising on updates to collateral data
Prepare annual credit approval and quarterly memos in a timely manner
Model transactions for risk rating and stress testing purposes
Assist with special projects including stress testing, portfolio concentration analysis, internal audit & reviews, risk rating processes, Credit Policies and Credit Programs across product groups
Assist in reporting of Basel securitization parameters
Maintain organized credit files for credit, regulatory, and compliance purposes and ensuring compliance with WCR policies and processes.
Review and analyze historical and pro forma financial statements of real estate properties (e.g., operating statements, rent rolls) to ascertain revenue trends, expense structures, and Net Operating Income (NOI)
Examine the financial statements (Balance Sheet, Income Statement, Cash Flow Statement) of borrowers and sponsors to assess their financial health
Basic understanding of real estate valuation methodologies
As a successful candidate, you’d ideally have the following skills and exposure:
3 to 6 years of credit, portfolio management or structuring experience in a financial institution, rating agency, financial guarantor, or asset management firm; real estate or structured credit/securitization experience is a plus
A strong interest in real estate/structured products and credit analysis
Strong Microsoft Office skills. Modelling experience is a plus
Strong attention to detail – Analyst will have responsibility for due diligence and documentation of transactions to ensure that all risk, business and policy points are covered
Oral and written communications skills enabling him or her to effectively interact with internal and external constituents of all levels
Team player with strong work ethic who also works well with others at all levels
Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
Strong attention to detail – Analyst will have responsibility for due diligence and documentation of transactions to ensure that all risk, business and policy points are covered
Oral and written communications skills enabling him or her to effectively interact with internal and external constituents of all levels
The ability to work independently to meet tight deadlines and initiate ideas with other members of the SCREU team and Independent Risk to mitigate risk
Education:
MBA or CFA or CA
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
-
Job Family Group:
Risk Management
-
Job Family:
Credit Risk
-
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, ****** 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 Accessibility at Citi.
View Citi’s EEO Policy Statement and the Know Your Rights poster.
💡 Quick Summary
Seeking a career-building opportunity? The Citi Community Capital– Real Estate Underwriting – Officer position is now open for candidates interested in the Real Estate sector. This role in Mumbai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Real Estate is a plus.