West and Central Africa Corporate Credit Underwriter (C13 / 14 – VP / SVP) -Citibank Nigeria Limited (CNL)

Job Description

Key Responsibilities
Executes, aligned with global and regional strategies, all responsibilities regarding underwriting, including, but not limited to:

  • Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions, to development of credit approval memos, and senior approval forums
  • Ensure Credit Approval Memo (CAM) packages are complete and accurate
  • Detailed reviews of financial data, projection modeling, stress testing, and other in-depth analysis performed by junior resources in IRAU (the ICG Risk Analysis Unit)
  • Balance business opportunities within Citi’s Risk appetite framework
  • Facilitate relationships with key clients in Banking and Risk and with key Regulators, Internal Audit, and control functions
  • Support the ICM-UW leadership on strategic initiatives/projects
  • Support Voice of the Employee initiatives

Specific Risk Experience:

  • Senior credit approval authority (or similar designation) covering large and complex underwritings, capital commitments, and derivatives with multi-industry experience
  • Experience in and exposure to global credit risk management standards. Ability to understand capital markets products and complex financing and product structures
  • Ability to implement change and develop best practices throughout an organization.
  • Ability to provide strategic insights and strong sensitivity to macro and regulatory issues, and impact of such issues on the various Risk families, including operational and franchise risks
  • Able to discuss and address issues associated with the allocation of risk assets and risk capital in partnership with banking and product organizations   
  • Proven ability to effectively engage with regulators and internal control functions including Internal Audit and Fundamental Credit Risk as well as with external audit.

Client Relationships / Business Partnership:

  • As part of the 1st Line of Defense, the ability to find the right balance that achieves the aims of the business while managing Citi’s risk appropriately
  • Understanding the nuances of local markets, local regulation, and the capabilities and practices of competitors
  • Navigate organizational complexity and break silos
  • Create and sustain a network of strong partnerships with the business in all segments & geographies and risk functions
  • Provide well-reasoned, balanced assessments of risk/return trade-offs associated with transactions and client relationships
  • Proven track record of partnering with global peers in leveraging and implementation of best practices


  • First Degree or equivalent in any discipline plus a relevant higher degree or professional qualification.
  • Minimum of 15 years minimum post-graduation experience, out of which 10 years must have been within the Banking industry and a minimum of 2 years as an Assistant General Manager.
  • Evidence of experience in at least three (3) major areas of banking operations.
  • 10+ years of corporate banking, credit risk and/or corporate finance work experience at banks/financial institutions
  • Candidates with less experience but outstanding track record could be consider for the role as VP/C13
  • Senior Credit Officer designation (or similar) is preferred
  • Demonstrates strong ethics and integrity
  • Ability to see the ‘big picture’ in a complex environment 
  • Can make decisions under pressure and short timeline
  • Excellent verbal & written communication skills. Active listening skills. 
  • Demonstrated influencing and negotiating ability, resolve conflicts amongst various constituencies
  • Excellent presentation skills – adept at presenting effectively to audiences of various sizes and various constituencies.


  • Citi is an equal opportunity and affirmative action employer.
  • Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
  • Citigroup Inc. and its subsidiaries (“Citi”) invite all qualified interested applicants to apply for career opportunities.
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