DescriptionThe Credit Review Senior Officer is a strategic professional who closely follows the latest trends in their field and adapts them for application within their job and the business. Typically a small number of people within the business provide the same level of expertise. Excellent communication skills are required to negotiate internally, often at a senior level. Developed communication and diplomacy skills are required to guide, influence, and convince others, in particular colleagues in other areas and occasional external customers. This role is accountable for significant direct business results or authoritative advice regarding the operations of the business and necessitates a degree of responsibility over technical strategy. It primarily affects a sub-function and includes responsibility for handling staff management issues, including resource management and allocation of work within the team/project.
Responsibilities:- Assesses the effectiveness of credit risk management at Citi and the ability of the Business and Independent Risk to identify, monitor, and mitigate current and emerging credit risks across Citigroup and Citibank.
- Management of Retail Credit Risk Review (CRR Review Entities through quarterly Business Monitoring and periodic Reviews.
- Assessment of the quality of assigned portfolios and relationships, including identification and evaluation of emerging risks.
- Assessment of the quality and adequacy of credit analysis and exposure analysis as well as the accuracy and appropriateness of risk ratings and classifications of corporate, commercial, and high-net-worth relationships.
- Assessment of the effectiveness of the credit risk processes and standards of assigned Review Entities to promote leading practices and identify opportunities for improvements.
- Assessment of Business and Risk staffing levels to assess the effects on assigned Review Entities.
- Preparation of Credit Assessment Documents in accordance with and at the quality standards required by the CRR Manual and Review Guides.
- Approval of relationship-level file testing prepared by CRR Credit Risk Analysts and Guest Reviewers.
- Evaluation of the appropriateness of Corrective Action Plans resulting from Reviews or Business Monitoring, and subsequent validation of the effectiveness of the same after implementation by the Business.
- Accountability for the quality and consistency of work products that include Credit Assessment Documents, Sample Rationale Documents, and Credit Risk Review Reports created for the assigned Review Entities.
- Assists Credit Review Portfolio Managers, Regional Directors, and CRR Management on regional and/or global tasks.
- Proactive communication to Credit Review Portfolio Managers and CRR Senior Management of any concerns and/or emerging risks that may jeopardize the assigned Review Entities.
- 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.
Qualifications:- 10+ years of previous experience required.
- Work experience in Banking, Finance, Accounting, Economics, Business Administration, or a similar field with Credit or financial statement analysis experience.
- Advanced analytical skills, with the ability to identify root causes and trends and anticipate horizon issues.
- Fully conversant in credit policy matters.
- Good knowledge of capital markets products, including derivatives.
- Ability to recognize emerging risks, including operational risk.
- Expert in risk analysis and risk management processes for one or more products and lending areas.
- Developed project management skills.
- Proficient in Microsoft Office (Word, Excel, and PowerPoint).
- Proven ability to build and maintain relationships and exert influence without direct authority.
- Excellent written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority.
- Senior Credit Officer qualification preferred. Regulatory experience or relevant experience in a similar role at another institution is desirable.
- Language skills preferred, depending on region.
- Knowledge of Citi's organization and systems preferred.
Education:- Bachelor's/University degree; Master's degree preferred.
Job Family Group: Risk Management
Job Family:Credit Review Risk Management
Time Type:Full time
Primary Location:Wilmington Delaware United States
Primary Location Full Time Salary Range:$144,480.00 - $216,720.00
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, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.
Other Relevant Skills For complementary skills, please see above and/or contact the recruiter.
Anticipated Posting Close Date:Sep 21, 2026
Automated Processing and AIWe use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.
Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.
Illinois residents - AI Notice and Right
