The Credit Risk role is focused on analyzing the creditworthiness of individuals and entities, assigning risk ratings, recommending, or approving credit extensions or withdrawals, and providing ongoing monitoring of credit exposures. This role includes those with credit approval authority for classifiably managed portfolios requiring management for potential credit impairment. Individuals within this role maintain a balance between risk and return, ensuring that credit policies are appropriate, and perform regular in-depth reviews of the credit portfolio. This role manages and mitigates potential credit losses, safeguarding the company's financial stability and supporting sustainable business growth.

Responsibilities

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• Stay updated on industry developments and apply in-depth knowledge to contribute to strategic and pro-active risk management.
• Provide guidance, review & challenge, and recommendations on complex credit approvals for an assigned credit portfolio.
• Assess the quality of the loan portfolio, including the identification and assessment of emerging risks and providing regular feedback on issues and opportunities to senior management.
• Monitor assigned credit portfolio, analyzing trends, risks, and key statistics to execute preventative measures.
• Oversee deal approvals in collaboration with business partners, demonstrating commercial awareness and sound judgment.
• Participate in developing and refining procedures for approvals, portfolio functions, and credit guidelines.
• Effectively communicate and negotiate with internal stakeholders, often at senior levels, to influence decisions and impact projects.
• Collaborate with the Risk organization to refine data utilization processes, demonstrating a deep understanding of data sources and analysis.
• Adhere to compliance standards, assess business risks, and safeguard the company, its clients, and assets.
• Prepare the deliverables for internal and external stakeholders, including regulators (for example on expected portfolio performance, areas of potential risk and/or opportunity)
• Make informed business decisions that consider risk assessment, the firm's reputation, and compliance with laws, rules, and regulations.
• Ensure compliance with applicable laws, rules, and regulations, upholding policy and ethical business practices.
• Provide independent credit risk oversight and challenge for 1st LOD, including the review of credit applications, risk ratings, exposure assessments, and approval recommendations.
• Monitor portfolio quality and emerging risks, analyzing sector, obligor, country, and concentration trends, and providing timely escalation and recommendations to senior management.
• Partner with the CRO on legal entity risk governance matters, supporting oversight of risk-related regulatory requirements, governance committees, audit actions, stress testing, IFRS9, and other franchise-level risk initiatives.
• Prepare and deliver risk analysis and management information for senior stakeholders, regulators, and governance forums, highlighting portfolio performance, key risk developments, and areas requiring management attention.
• Review and challenge complex transactions and deal structures, ensuring risks are appropriately identified, mitigated, and remain within Citi's risk appetite and policy framework.
• Engage with business, risk, and control partners to support credit approvals, address portfolio issues, implement risk mitigation strategies, and drive effective risk management practices across the franchise.
• Support regulatory, audit, and governance interactions, including the coordination of responses to regulatory inquiries, internal audits, examinations, and remediation of identified risk issues.
• Ensure compliance with applicable laws, regulations, policies, and ethical standards while proactively identifying process improvements and strengthening risk management frameworks.
• Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.
• Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures.
• Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.
• Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization.
• Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda.
• Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities.
• Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.
• Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness.
• Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements.
• Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals.
• Role models and help others to do the right thing for clients and Citi in all situations, even when difficult.
• Engages key stakeholders early and often and actively look for opportunities to improve collaboration in achieving common goals.
• Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi’s clients and the community.
• Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development.
• Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities.
• Empathetically listens and understands others’ positions before acting on issues; works to amplify voices that are minimized in the workplace.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of teams and create accountability with those who fail to maintain these standards.

Qualifications

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• 10+ years of experience
• Demonstrated experience in overseeing and approving credit applications within a business context.
• Deep understanding of financial analysis and cash flow lending products.
• Proven ability to adapt and implement the latest industry trends in credit approval and risk management.
• Experience in resolving moderately complex issues, balancing conflicting situations, and evaluating alternatives.
• Proficiency in analyzing and interpreting financial data, assessing risk, and making informed credit approval decisions.
• Effective communication and diplomacy skills to negotiate and influence both colleagues and external customers.
• Strong leadership and people management skills for efficient resource allocation within the team.

Education

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Bachelor's/University degree, Master's degree preferred.

#LI-AL1

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Job Family Group:

Risk Management

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Job Family:

Credit Risk

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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