Credit Portfolio Officer - Strategic Initiatives & Analytics, Vice President; Hybrid

Overview

The Credit Portfolio Officer, Vice President is a senior-level position responsible for leading activities including credit review, credit approvals and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to client and counter parties globally.

• Develop framework for portfolio risk assessment including evaluation of credit and financial performance across varied lending products and industry segments
• Analyze the credit portfolio to identify inherent risks, including credit, market, operational, and compliance risks.
• Quantify potential risk exposures using established methodologies, models, and stress testing techniques.
• Stay abreast of industry trends, regulatory changes, and emerging risks that could impact the portfolio.
• Track risk exposures against established limits, tolerances, and risk appetite.
• Monitor portfolio performance and identify early warning signs of credit deterioration or breaches of risk appetite.
• Prepare regular reports on portfolio risk profile, key risk drivers, and emerging trends for senior management.
• Implement and maintain effective risk controls in accordance with policies, procedures, and regulatory requirements.
• Participate in the development and implementation of new risk mitigation strategies and controls.
• Escalate control breaches and potential risk events to appropriate stakeholders promptly.
• Contribute to the preparation of accurate and timely risk reports for internal and external stakeholders, including regulators.
• Clearly articulate risk exposures, trends, and mitigation strategies in written and verbal communications.
• Participate in internal and external audits and regulatory examinations, providing requested information and insights.

• 6-10 years of experience in credit risk management, portfolio analysis, or a related field.

• Strong analytical and problem-solving skills.
• Excellent communication and presentation skills, both written and verbal.
• Ability to work independently and as part of a team.
• Proficient in Microsoft Office Suite, particularly Excel and PowerPoint.
• Knowledge of statistical modeling software (e.g., SAS) is a plus.
• Takes initiative and demonstrates a proactive approach to risk management.
• Strong attention to detail and commitment to accuracy.
• Ability to work under pressure and meet deadlines. Strong ethical values and commitment to compliance.

• Solid understanding of credit risk concepts, methodologies, and regulatory requirements.
• Experience in analyzing credit data, financial statements, and market trends.
• Familiarity with risk management tools, databases, and reporting systems.
• Knowledge of credit products and lending practices.

• Bachelor's degree/University degree or equivalent experience
• Master's degree preferred

Anticipated Posting Close Date:
Feb 03, 2026

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.