Credit Portfolio Senior Officer, Citi

Citi

Location:
United States, Tampa

Category:
Finance

Contract Type:
Not provided

Salary:

165051.50 USD / Year

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Job Description:

Citibank, N.A. seeks a Credit Portfolio Senior Officer for its Tampa, Florida location. The role involves reviewing and approving trade and working capital solutions transactions in Latin America (LATAM), analyzing credit profiles, assessing compliance with Product Guidelines, leading key risk projects, and more.

Job Responsibility:

Review and approve trade and working capital solutions transactions in Latin America (LATAM) that are within the Global Deal Review (GDR) and Cluster Deal Review (CDR) scope
Analyze credit profile of the client including risk rating and classifications
Assess compliance with Product Guidelines (PG), and evaluate exceptions and mitigants
Lead key Global Treasury and Trade Solutions (TTS) Risk projects and the implementation of initiatives related to policy governance
Review and challenge portion of Trade portfolio with Underwriting Terms (UT) and PG exceptions that are below thresholds for TTS Risk approval
Analyze the accuracy of TTS Trade Cost of Credit (CoC) and Allowance for Credit Losses (ACL), and act as the TTS Risk Subject Matter Expert (SME) for CoC
Identify clients generating large ACL amounts and assess its reasonability under the Trade Current Expected Credit Losses (CECL) models
Detect any inconsistencies in the CoC allocated to Trade, and coordinate relevant CoC adjustments with CECL Risk and Finance teams
Review and approve deals for the Social Finance (SF) framework, which are guaranteed by multilateral agencies
Analyze trade portfolio trends, detect data quality issues, and coordinate with data quality teams for correction
Obtain detailed information on each facility and identify authorized products, maximum tenor, tenor sub-limits, and support from parent or other entities
Review credit approval documents including annual reviews, financials, credit ratings rationale
Monitor credit ratings downgrades to specific clients, review rationale for downgrades, and assess if risk mitigating actions are needed for the Trade portfolio
Review new products, initiatives, renewals of existing Product Programs (PAP), and Local Country Addendum (LCA)
Assess proposed deviations from global standards to ensure risk is acceptable, and request mitigating controls as needed
Prepare CoC and ACL presentations for TTS and TTS Risk Senior Management
Identify cases that meet escalation thresholds for TTS Risk Head approval and prepare approval recommendation

Requirements:

Master’s degree, or foreign equivalent, in Business Administration, Accounting, Economics or related field and 5 years of experience as a Credit Portfolio Senior Officer, Credit & Portfolio Risk Manager, Operations & Control Manager, Compliance Manager, or related position involving credit risk analysis of financial transactions and financial products in the LATAM market
Alternatively, employer will accept a Bachelor’s degree in the stated fields and 7 years of the specified progressive post-baccalaureate experience
4 years of experience must include: Credit risk analysis of financial transactions and financial products in the LATAM market
Financial statement analysis, including capital structures and repayment priority in distressed scenarios
Financial products, including Trade and Working Capital Loans, Core Trade, Receivables Finance, and Payables Finance
Current Expected Losses (CECL) methodology and Trade and Working Capital Solutions models including Allowance for Credit Losses (ACL) review
Credit analysis of Social Finance (SF) transactions including guarantees provided by multilateral agencies
Monitoring and analyzing trends in risk ratings, classification, countries, and industries to identify credit deterioration
Assessing reasonability of Cost of Credit (CoC) and Allowance for Credit Losses (ACL), identifying data quality issues, and coordinating data correction
Utilizing credit reporting systems
Generating tailored reports for specific risks
Portfolio management, including assessing risks and implementing risk mitigation controls
Reviewing Product Guidelines (PG) and Underwriting Terms (UT) exceptions
Reviewing Product Programs (PAP), and Local Country Addendum (LCA), and coordinating changes needed for approval
Completing global Corrective Action Plan (CAP) related to Risk processes, and substantiating global CAP completion for auditors

What we offer:

medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays

Additional Information:

Job Posted:
July 30, 2025

Expiration:
September 15, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Credit Portfolio Senior Officer

Citi

Location:United States, Tampa

Category:Finance

Contract Type:Not provided