JobsUSAVP-Credit Portfolio Officer (Strategic Initiatives & Analytics)-Hybrid
Company : Citi
Location : Wilmington, DE, 19805
Posted Date : 15 September 2025
Job Details
Credit Portfolio Officer
The Credit Portfolio Officer 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 counterparties globally.
Responsibilities:
- 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.
Qualifications:
- 6-10 years of experience in credit risk management, portfolio analysis, or a related field.
Skills:
- 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.
Knowledge/Experience:
- 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.
Education:
- Bachelor's degree/University degree or equivalent experience
- Master's degree preferred
Job Family Group:
Risk Management
Job Family:
Portfolio Credit Risk Management
Time Type:
Full time
Primary Location:
Wilmington Delaware United States
Primary Location Full Time Salary Range:
$114,720.00 - $172,080.00
In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
Most Relevant Skills:
Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
Other Relevant Skills:
For complementary skills, please see above and/or contact the recruiter.
Anticipated Posting Close Date:
Jun 25, 2025
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.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi . View Citi's EEO Policy Statement and the Know Your Rights poster.
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