Public Sector & Municipals Underwriter

Location: New York

Job d:

Location:

Getzville, New York, United States Salary: $ - $Category:
Professional Company:
Citi Public Finance Credit Underwriter As a Public Finance Credit Underwriter within Citi’s Public Sector & Municipals team, you will lead credit underwriting and risk analysis for municipal, not-for-profit, and sovereign clients. This role combines deep financial and collateral analysis with direct client and banker collaboration, giving you ownership over complex, high-value credit decisions. You will leverage Citi’s Commercial Banking platform to deliver sound credit recommendations, support portfolio management activities, and help develop the next generation of credit officers, analysts, and underwriters.

Responsibilities Lead underwriting, credit analysis, and portfolio management activities for municipal, not-for-profit, and sovereign clients, with a focus on public finance transactions.

Evaluate borrower financial statements, cash flow projections, collateral structures, debt profiles, and market conditions to determine creditworthiness.

Prepare and present clear, well-supported credit approval memoranda and recommendations to senior credit officers and risk committees.

Monitor portfolio performance, identify emerging risks, and recommend appropriate mitigating actions.

Partner closely with Relationship Managers, Product Partners, and Risk Management teams to structure and execute transactions that meet client needs while maintaining Citi’s risk standards.

Conduct industry and market research to assess trends, opportunities, and potential risks affecting public sector clients.

Ensure compliance with all applicable Citi credit policies, regulatory requirements, and underwriting standards.

Apply knowledge of Citi’s public finance, municipal, and sovereign credit products to guide underwriting decisions.

Support talent development through mentoring and guidance of junior analysts, underwriters, and credit officers.

Participate in special projects and strategic initiatives that enhance underwriting processes, portfolio management practices, and client service capabilities.

Qualifications
10+ years of experience in commercial banking, credit underwriting, public finance, municipal finance, or related credit risk functions.

Strong analytical skills with demonstrated experience assessing financial statements, credit structures, and repayment capacity.

Knowledge of municipal credit markets, public finance transactions, and sovereign credit analysis preferred.

Experience preparing and presenting credit recommendations to senior stakeholders and approval committees.

Strong communication and relationship management skills with the ability to collaborate effectively across multiple teams.

Demonstrated ability to manage multiple priorities and meet deadlines in a fast-paced environment.

Proven leadership, mentoring, and coaching capabilities.

Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field required.

MBA, CFA, CPA, or other relevant professional designation preferred.

What Success Looks Like In this role, you will serve as a trusted credit partner to bankers and clients, balancing responsible risk management with business growth objectives. You will provide thought leadership on complex public finance transactions, support the development of junior talent, and contribute to a high-performing credit culture within Citi’s Public Sector & Municipals franchise.

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Risk Management------------------------------------------------------Job Family:

Credit Risk------------------------------------------------------Time Type:

Full time------------------------------------------------------Primary

Location:

Getzville New York…