Credit Portfolio Sr Analyst, Citi

Citi

Location:
United States, O'Fallon, Missouri

Category:
Finance

Contract Type:
Not provided

Salary:

90080.00 - 135120.00 USD / Year

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Job Description:

Credit Portfolio Sr Analyst Position will be part of the in-Business Risk Management Decision Support team overseeing the analysis, implementation, and validation of the Mortgage Business proprietary Automated Underwriting system.Automation is within Dark Matter’s Empower System known as Decision Select.Individual will be responsible to complete independent analysis, development, and implementation documentation of Decision Select AUS that drives underwriting and process requirements, provides computer generated mortgage loan eligibility requirements and loan decision recommendations.Position requires comprehensive knowledge of USPB RRE & Wealth RRE mortgage policy, origination systems, understanding of multiple areas within business functions, and how they interact to achieve objectives.

Job Responsibility:

Responsible for analyzing Agency and Non-Agency Credit Policy Guidelines utilized in Decision Select AUS on a monthly basis
Individual will develop loan eligibility automation requirements in compliance with Credit Policy to compare/contrast the mortgage loan application to assess loan eligibility and loan decision recommendations
Drives timely and high-quality automation in support of Policy and Process automation, with overarching goal of a defect free production implementation
Strengthen strategic impact by effective optimization utilizing risk automation to support the mortgage loan origination system(s) and process efficiencies
Drives and maintains stability of risk automation through testing of vendor and strategic initiatives affecting Citi’s internal fulfillment, external customers, and AUS recommendations
Manage to standard processes for scope/change management, risk management, issue management and risk communications
Communicate cross functional requirements and understanding of business processes and workflow
Collaborate in identifying process improvements and efficiencies to support business unit goals through dissecting issues and making recommendations
Understand Citi’s approach to managing risk, as described in our Risk Governance Framework, and how it relates to their roles and responsibilities
Appropriately assess risk when business decisions are made, demonstrating 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
Ensure escalation of all risks and issues to manager and senior stakeholders in a timely manner

Requirements:

5 years Mortgage Underwriting or 6-10 years Mortgage Processing required
Expertise in Credit Fundamentals, Credit Policy and Mortgage Lending Programs required
Proficient in Mortgage loan origination systems (LoanFX / Empower)
Comprehensive knowledge of Mortgage process and origination system and understanding of multiple areas within business functions and how they interact to achieve the objectives
Ability to work independently with strong attention to detail and accuracy
Excellent organizational skills, multi-tasking capabilities, and the ability to complete assignments within required deadlines in a fast-paced environment
Strong analytical and quantitative skills to filter, prioritize and validate complex material
Individual must work well under tight deadlines, manage priorities, and complete assigned tasks with minimal management follow up
Consistently demonstrate clear and concise written and verbal communication
Proficiency in MS Office product suite

What we offer:

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

Additional Information:

Job Posted:
June 13, 2025

Expiration:
June 18, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Credit Portfolio Sr Analyst

Citi

Location:United States, O'Fallon, Missouri

Category:Finance

Contract Type:Not provided