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Underwriting Credit Risk – VP/AVP

Company: Citigroup
Location: Dar es Salaam
Job Type: Hybrid | Full-time
Experience Level: Mid–Senior (6–10 years)

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Role Summary

This role sits within Institutional Credit Management (ICM) and focuses on credit risk analysis and portfolio monitoring for large corporate, public sector, and financial institution clients.

You will be:

• Evaluating lending decisions
• Monitoring client creditworthiness
• Supporting both Risk and Corporate Banking teams

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Key Responsibilities

Credit Risk Analysis

• Assess financial strength using liquidity, leverage, and cash flow
• Perform quantitative and qualitative analysis
• Assign internal credit risk ratings

Reporting & Approvals

• Prepare:
  • Initial credit approvals
  • Annual and quarterly reviews
  • Transaction approvals
• Support stress testing and industry reviews

Portfolio Monitoring

• Track industry trends and client performance
• Identify risks and escalate issues early

Stakeholder Collaboration

• Work with Corporate Banking and Independent Risk teams
• Align on credit standards and decisions

Compliance & Process Improvement

• Ensure adherence to internal and regulatory policies
• Identify process improvements and efficiencies

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Ideal Candidate Profile

Experience

• 6–10 years in:
  • Credit Risk
  • Banking
  • Financial Analysis

Technical Skills

• Strong understanding of:
  • Financial statements
  • Cash flow analysis
  • Complex corporate structures
• Ability to analyze multinational organizations

Core Competencies

• Analytical thinking
• Risk identification and escalation
• Attention to detail
• Strong communication skills

Added Advantages

• Experience with Corporate, Public Sector, or Financial Institutions risk
• French language proficiency
• Master’s degree

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What Makes This Role Competitive

• Exposure to large, complex clients
• Influence on lending decisions
• Experience within a global banking environment
• Career progression into senior risk or corporate banking roles

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Reality Check

This is not an entry-level role. Without solid experience in:

• Credit analysis
• Financial statement evaluation

it will be difficult to compete.

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How to Position Yourself

• Highlight direct credit analysis experience
• Emphasize:
  • Risk assessment
  • Financial modeling
  • Portfolio monitoring
• Use relevant keywords such as:
  • Credit underwriting
  • Risk rating
  • Financial statement analysis
  • Portfolio management

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How to Apply:

To submit your application, please follow the link provided below.

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