Leads the independent risk oversight, governance, and strategic risk management of Citi Community Capital's lending and investment portfolio.
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. 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 portfolio.

Responsibilities:

- Provide strategic leadership and independent risk oversight for Citi Community Capital's (CCC) lending and investment, ensuring risks are identified, assessed, and managed within approved risk appetite and regulatory requirements.

- Lead the approval and oversight framework for new transactions and portfolio management, delivering effective challenge and sound risk-based decision making across the CCC portfolio.
- Direct the governance, policies, standards, and risk management processes supporting community development finance and related investment activities.
- Serve as the senior risk partner to business, regulatory, audit, and executive stakeholders, representing the function on significant risk matters, examinations, strategic initiatives, and remediation activities.
- Build and develop a high-performing team, providing leadership, talent development, resource planning, and cross-functional coordination while fostering a strong risk culture and adherence to Citi policies and regulatory expectations.
- Lead, own and drive improvements in large regional/industry/product and key risk reviews, leveraging expertise to critically evaluate portfolios and assess emerging risks.

- Partner with all relevant teams including ICM, Banking and 2nd LOD organizations to monitor portfolio (including driving overall limits, mitigation strategies, exposure management).

- Critically evaluate and own assigned large/complex portfolios, identifying and assessing current/ emerging risks.

- Review, challenge and approve very large and / or complex episodic transactions that involve high idiosyncratic risks

- Lead the enhancement of credit risk processes and standards, identifying opportunities for innovation and efficiency.

- Provide independent assessments on risk ratings and classifications, ensuring the Risk Appetite framework's appropriateness and effectiveness.

- Evaluate and refine business/risk staffing models, ensuring optimal resource allocation for assigned entities.

- Assist the Risk Head in orchestrating regional and global tasks, developing strategic plans to maximize organizational effectiveness.

- Develop strategic plans to enhance the efficiency and effectiveness of the organization.

- Collaborate with other credit risk families to support the best outcome for Citi, sharing and implementing best practices.

- Manage relationships and expectations of external regulators, Regulatory reporting, Risk, Finance, and Accounting Policy.

- Own relevant scorecards and underwriting frameworks.

- Make informed business decisions, considering risk assessment, the firm's reputation, and compliance with laws, rules, and regulations.

- Enforce compliance with applicable laws, rules, and regulations, upholding policy and ethical business practices

• Inspires people with a compelling and aspirational future vision; demonstrates optimism when leading the organization through challenges and uncertainty.
• Creates a highly resilient organization in which people persist through challenges, transparently communicate and own mistakes, and actively apply learnings to make Citi better.
• Establishes a safe environment where people candidly communicate opinions, seek diverse opinions, and actively debate decisions.
• Fosters a culture that rewards teams to pursue breakthrough ideas and improve business results; proactively invests resources in innovation initiatives.
• Creates a culture that strongly encourages teams to prioritize enterprise success over individual agendas and do the right thing for the organization.
• Boldly creates focus by aligning critical priorities across businesses, functions, and regions; eliminates nonessential work that could distract the organization from executing key priorities.
• Champions innovative ways to manage risk through streamlining processes and building common methods.
• Creates and reinforces a culture of exceptional controls that support client satisfaction and operational effectiveness.
• Proactively solves systemic enterprise challenges by investing time and resources to gather cross-enterprise data; builds sustainable solutions that fully address the root causes of issues.
• Creates a performance culture of high expectations that inspires people to continuously deliver excellence and exceed company goals.
• Energizes and reinforces an ethical environment where doing the right thing for clients and Citi is expected in every decision and action.
• Establishes a culture where teams actively cultivate collaborative partnerships across organizational boundaries; creates synergies that deliver added value for Citi.
• Champions strategies for leveraging Citi's resources to have a positive impact on society; demonstrates deep understanding of client and community needs.
• Proactively implements systemic solutions to promote the well-being and engagement of all employees; embodies work-life balance through their words and actions and actively encourages others to do the same.
• Leads efforts to position Citi as an attractive place to work for diverse communities; cultivates an inclusive culture in which all individuals are valued and feel a strong sense of belonging.
• Leads with compassion and reinforces a culture in which people assume best intentions of others; treats others respectfully; listens, understands, and appreciates the unique challenges faced by others.

• 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:

- 15+ years of experience, including 5+ years' managerial experience

- Deep expertise in credit risk management
- Experience within special credits, commercial real estate, and or community development finance is preferred.
- Strong strategic, analytical, and risk governance capabilities with experience managing complex portfolios and transactions.
- Experience managing remote teams and operating in location remote from direct manager.
- Internally and externally recognized subject matter expert with a broad and comprehensive understanding of the field.

- Develops new techniques, methodologies, and approaches, recognized as a resource for innovation and groundbreaking developments.

- Comprehensive understanding of credit risk frameworks
- Knowledge of real estate finance, securitization, leveraged finance, affordable housing, and community development lending.
- Strong knowledge of regulatory requirements, risk frameworks, and industry practices applicable to lending and investment activities.
- Proficiency in evaluating complex issues with substantial impact, utilizing in-depth quantitative and qualitative analysis.

- Proven ability to lead large teams, influence senior stakeholders, and drive strategic decision-making across functions.
- Strong people leadership skills with a track record of developing talent, fostering collaboration, and promoting a strong risk culture.

Education:

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

Job Family Group:
Risk Management

Job Family:
Credit Risk

Time Type:
Full time

Primary Location:
New York New York United States

Primary Location Full Time Salary Range:
$250,000.00 - $500,000.00

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:
Sept 17, 2026

Automated Processing and AI

We 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