Senior, Credit Review Officer I

Title:Senior, Credit Review Officer I
Location: FL-Tampa

Job Description:

Citibank, N.A. seeks a Credit Review Senior Officer I for its Tampa, FL location.

Duties: Monitor and evaluate retail portfolios, strategies, and credit risks, and assess the effectiveness of credit risk management of assigned businesses, proposal of pragmatic solutions to risk and control issues, and maintain ongoing contact with a review entity’s management through continuous business monitoring and corrective action follow-up where applicable. Execute business monitoring and conduct reviews in accordance with the FCR Manual. Oversee assigned FCR review entities through quarterly business monitoring and periodic reviews. Assess the quality of assigned portfolios and relationships and identify and evaluate emerging risks. Assess the appropriateness of ratings of assigned retail review entities. Assess the appropriateness, completeness, and usage trends of the credit risk components of the Risk Appetite Framework. Assess the effectiveness of the credit risk processes and standards to promote leading practices and identify opportunities for improvements. Prepare Credit Assessment Documents in accordance with and at the quality standards required by the FCR Manual and review guides. Use tools and techniques, including sampling and transactional testing, to effectively identify and assess adherence to credit policies as well as risk trends. Evaluate the appropriateness of Corrective Action Plans resulting from reviews or business monitoring and validate the effectiveness after implementation by the business. Be accountable for the quality and consistency of work product, including Credit Assessment Documents, Sample Rationale Documents, and Fundamental Credit Review Reports. Participate in analytical projects as needed by GRR Management. A telecommuting/hybrid work schedule may be permitted within a commutable distance from the worksite, in accordance with Citi policies and protocols.

Requirements: Bachelor’s degree, or foreign equivalent, in Statistics, Business, Finance, or a related field, and eight (8) years of experience in the job offered or in a related finance occupation performing credit risk reviews within the financial industry. Eight (8) years of experience must include: Assessing the quality of credit cards and personal loan portfolios, including identifying and evaluating emerging risks; Applying principles of effective Credit Risk Appetite Framework to set risk appetite, risk limit, and risk profile in credit cards and personal loans portfolios to safeguard against excessive risk taking; Using statistical tools including decision trees, regression analysis, and descriptive, diagnostic, predictive and prescriptive data analysis, and methodologies including vintage roll rates analysis and profit and loss analysis to analyze portfolio credit risk;  Reviewing the effectiveness of credit risk strategies, policies, and credit tests to ensure that risk and return dynamics and credit losses are within expectations and targets; and  Applying effective issue management principles to remediate credit issues and address the root cause. In the alternative, employer will accept a Master’s degree and six (6) years of experience. 40 hrs./wk. 25% domestic/international standard business travel required. Applicants submit resumes at https://jobs.citi.com/.  Please reference Job ID# 25846576. EO Employer.

Wage Range:                $164,725.18 - $217,995.46

Job Family Group:        Risk Management

Job Family:                  Credit Review Risk Management