Credit Risk Officer Job at Citi (Getzville)

Credit Risk Officer

As a Credit Risk Officer based in Chicago, you will be part of a growing team re...

Location

United States , Chicago

Salary:

85000.00 - 110000.00 USD / Year

Adyen

Expiration Date

Until further notice

Requirements

Minimum of 3+ years of experience in commercial credit underwriting, preferably within banking, fintech, or SMEs credit lending-driven environments
Strong analytical capabilities with demonstrated ability to interpret financial statements, assess borrower quality, and identify key risk drivers, trends, and early-warning indicators
Proven experience managing and assessing credit portfolios across products such as SMB lending, working capital solutions, overdrafts, charge cards, and/or asset-backed financing
Experience operating in high-volume, scalable credit environments is a strong plus, including exposure to payments, automation, and data-driven decisioning frameworks
Ability to balance risk and return, applying sound judgment to make credit decisions in line with defined risk appetite and business objectives
Familiarity with U.S. regulatory frameworks and guidelines related to credit risk
hands-on regulatory experience is a strong plus but not required
Results-driven and outcomes-focused, with a strong sense of ownership and accountability for decisions and impact
Comfortable operating in a fast-scaling environment, contributing to the design of robust processes and building with automation and scalability in mind
Adaptable and resilient, able to adjust quickly to changing priorities, product offerings, and risk profiles

Job Responsibility

Perform the credit underwriting and portfolio monitoring of different financial products, including loans to SMBs and other credit products to enterprise customers
Analyze the impact of business model, industry and macro-economic developments on the credit portfolios and the credit risk offering of Adyen
Develop and implement credit risk strategies to enhance portfolio performance while ensuring alignment with risk appetite and business objectives
Drive continuous improvement of our global and US-specific credit risk underwriting and monitoring framework, including policies, procedures and practices
Provide credit risk expertise to a variety of stakeholders to guarantee that credit risk is properly considered in new commercial product developments
Lead projects from beginning to end, and find optimal solutions that benefit our customers and improve our risk management practices

What we offer

equity (RSUs)

Fulltime

Credit Risk Officer

Join us as a Credit Risk Officer! Step into a role where your insight drives sma...

Location

United Kingdom , Glasgow

Salary:

Not provided

Barclays

Expiration Date

Until further notice

Requirements

Credit sanctioning within Private Banking or a similar lending environment
Experience with high value mortgages and Lombard lending
Understanding how 1st and 2nd line risk functions operate and what is expected of each
Clear, confident communication skills to support both transactional work and future strategic change initiatives

Job Responsibility

Analysis of lending applications, financial statements, credit reports, and other relevant documents to assess the borrower's creditworthiness and repayment capacity
Monitoring the performance of approved lending, identifying potential risks and early warning signs of delinquency
Evaluation of the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions
Provision of independent credit decisions on lending applications, adhering to established credit policies, risk parameters, and regulatory requirements
Development and implementation of appropriate course of action for troubled lending, including workout plans, restructuring, or collections

What we offer

Fitness Suite
fitness classes
an on-site GP
a bicycle store
rooftop bar
structured hybrid working
flexible working arrangements

Fulltime

Credit Risk Officer

The Credit Officer 3 is a strategic professional who stays abreast of developmen...

Location

Philippines , Taguig City

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

6-10 years previous credit authority experience
Prior experience working in a regulatory and compliance policy environment
Proven analytical skills including the ability to understand and assess individual and company financial statements, cash flow, industry/competitive analysis and projections
Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
Effective inter-personal and written/verbal communication skills
Thorough problem recognition and resolution skills
Pro-active disposition with ability to work autonomously and within a team
Proficient in various spreadsheet and word processing applications (Excel and Word), including the use of graphs and charts and financial analysis software

Job Responsibility

Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients
Prepare a detailed written credit summary of commercial applicants requesting credit
Perform detailed financial analysis on companies, including trend and ratio analysis
Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers
Perform industry and geographical research and other due diligence as needed
Maintain a solid understanding of Citibank products and services
Maintain compliance with Citibank credit policies/practices and regulatory policies
Assists business unit goals by continuous identification of process improvements and efficiencies
Provide backup support to Credit Underwriting Group Manager, lead projects and initiatives and mentor lower level Credit Officers
Appropriately assess risk when business decisions are made

What we offer

Programs and services for physical and mental well-being including access to telehealth options, health advocates, confidential counseling
Expanded Paid Parental Leave Policy
Resources to manage financial well-being and help plan for the future
Access to an array of learning and development resources
Generous paid time off packages
Resources and tools to volunteer in the communities

Fulltime

Credit Risk Officer

Citi continues to enhance its business control and governance framework by build...

Location

United States , Irving

Salary:

114720.00 - 172080.00 USD / Year

Citi

Expiration Date

Until further notice

Requirements

6-10 years risk/risk-related credit work experience in banking/financial institutions
Proven ability to effectively engage with regulators and internal control functions including Internal Audit and Fundamental Credit Risk as well as with external audit
Demonstrates strong ethics and integrity
Ability to see the ‘big picture’ in a complex environment
Can make decisions under pressure and short timeline
Excellent verbal & written communication skills
Active listening skills
Excellent presentation skills – adept at presenting effectively to audiences of various sizes and various constituencies
Bachelor’s/University degree, Master’s degree preferred

Job Responsibility

Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions to development of credit approval memos, and senior approval forums
Detailed financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis
Authoring of Credit Approval Memos (CAM) packages
Partner with Front Office on structuring and production of term sheet for new transactions
Facilitate relationships with key clients in Banking and Risk and with key Regulators, Internal Audit, and control functions
Support ICM Underwriting organization on strategic initiatives / projects as required

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
discretionary and formulaic incentive and retention awards

Fulltime

Risk Management Country Officer & Wholesale Credit Risk

The Risk Management Country Officer (RMCO) for Dominican Republic will double ha...

Location

Dominican Republic , Santo Domingo

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

10+ years of relevant experience
Experience in people management
Comprehensive understanding of Banking and Capital Markets products
Experience with wholesale credit portfolio performance monitoring and metrics
Comprehensive understanding of strategic direction of the function
In-depth conceptual/practical grounding in the function and/or expertise in related subject areas
Preferably SCO or SCO journey initiated
Fully Bilingual (Spanish & English)
Bachelor's degree/University degree or equivalent experience
Master's degree preferred

Job Responsibility

Lead a team/organization responsible for risk management activities associated with the wholesale credit portfolio
Analyze credit risk and provide credit recommendations and guidance to senior risk managers
Apply understanding of inherent credit risks for a range of banking products including lending, structured/acquisition finance, and capital markets transactions
Analyze transactions and assist in structuring transactions to contain Citi’s credit risk within acceptable parameters
Conduct internal and external oversight reviews and manage Operating Committee engagement
Produce credit and exposure analyses to ensure aggregate risk exposure to customers remains appropriate to credit standing
Serve as the main point of contact with local regulators and internal audit function on integrated risk matters
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 others and create accountability with those who fail to maintain these standards
Stay updated on industry developments and apply in-depth knowledge to contribute to strategic and pro-active risk management
Provide guidance, review & challenge, and recommendations on complex credit approvals for an assigned credit portfolio Assess the quality of the loan portfolio, including the identification and assessment of emerging risks and providing regular feedback on issues and opportunities to senior management

Fulltime

Credit Portfolio Officer, VP - Mortgage Servicing Credit Risk Strategy & Analytics

The Mortgage Servicing Credit Risk Strategy & Analytics role will support the de...

Location

United States , Irving

Salary:

114720.00 - 172080.00 USD / Year

Citi

Expiration Date

Until further notice

Requirements

6-10 years of experience in credit risk management in the financial services industry performing quantitative analysis, risk analytics, implementation of analytically driven risk management approaches, models or tools
Experience within Mortgage Servicing or one or more areas in credit portfolio management (collections, loss-mitigation, foreclosure/REO, net credit loss, FFIEC/accounting impairment)
Bachelor’s degree in economics, Finance, Statistics, Applied Mathematics or related fields. Master’s degree preferred.
Active role in performing some analytical components of model or quantitative method/tool development (data collection, segmentation analysis, sensitivity testing, business rules/ model documentation, & production implementation)
Statistical/econometric programming skills strongly preferred (SAS, Tableau, PYTHON, etc.)
Prior experience working in a regulatory and compliance policy environment

Job Responsibility

Assist in developing credit portfolio management strategies across default life cycle (collections, loss-mitigation, HELOC Line Management) internally and with strategic partners by leveraging data analytics inclusive of score-based models, on-us/off-us data, and business rules
Support Portfolio Risk Manager to optimize risk-return dynamics by overseeing credit/default risk and/or collection strategies and developing recommendations for policy optimization throughout the default lifecycle
Develop framework for portfolio risk assessment including evaluation of credit, financial and collections performance across varied segments of mortgage residential portfolios.
Understand applicable credit policies, industry regulations and the requisite impact of those governance items to new initiatives
Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, forecasting and new program due diligence
Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity
Stay abreast of emerging industry trends in data analytics and perform proactive analytics to assess and support portfolio and origination strategies
Proactively identify emerging risks within the portfolio and gaps that might compromise Credit Policy strategies and increase losses.
Liaise with key stakeholders to advance and support initiatives.
Lead analytics workstreams partnering with stakeholder teams effectively to impart knowledge and rationale for tasks and ensure ownership for assigned responsibilities, lead to successful completion of goals, as an incubator for innovation

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

Fulltime

New

Lead Credit Risk Officer

Location

United States , West Des Moines

Salary:

Not provided

Wells Fargo

Expiration Date

July 10, 2026

Requirements

Master's degree in Statistics, Mathematics, Economics, or a related quantitative field
2 years of experience in the job offered or related credit risk role
Two (2) years of Credit Risk, Quantitative Analytics, Data Science or equivalent experience
Hands on experience in business analytics and recommendations
Experience in SAS and SQL data processing
Knowledge and understanding of statistical analysis
Experience in analyzing data from multiple large data sources to develop and implement business strategies

Job Responsibility

Develop application approval and risk segmentation strategies for various segments
build business cases to enhance risk management, customers experience and contribute to sustainable and profitable business growth
Conduct comprehensive analyses to assure timely monitoring of strategy efficacy and accuracy, minimizing credit/operating losses and reputation/compliance risk exposure
Partner closely with product/marketing, system & technology, finance, compliance and other Card business areas to develop risk criteria and propose new strategies
Collaborate with various credit, deposit and product groups and external vendors to develop effective ways to manage new account decisions, leveraging best practices and new data/tools
Prioritize tasks based on importance and urgency and provide business case development to obtain timely approval
Manage the rollout of pilot programs and criteria changes that present risk
Create and share monitoring reporting and diagnostics on various credit, vintage, product, offer, channel, mix, delinquency, loss rate, usage/revenue and profitability performance information informing risk strategy decisions
Prepare and present project summary and insights to senior managers to get support and approval

Fulltime

Credit Risk Officer – Alternatives (Hedge Funds & Private Markets) - Vice President

Citi is looking for a Vice President, Credit Risk – Alternatives to join our Ins...

Location

United States , New York

Salary:

129840.00 - 194760.00 USD / Year

Citi

Expiration Date

Until further notice

Requirements

5 or more years of counterparty credit risk experience within financial services, with demonstrated expertise covering alternative investment managers such as hedge funds and proprietary trading firms
Hands-on underwriting experience across a range of capital markets products, including Prime Brokerage, Repo, FX, Derivatives, Fund Financing, subscription call facilities, and structured lending
Proven ability to analyze complex capital markets products and financing structures, and translate that analysis into clear, well-supported credit decisions
Track record of authoring substantive credit documentation — including initial reviews, annual reviews, and transaction-specific analyses — to a professional standard
Strong communication skills, both written and verbal, with the ability to present effectively to diverse audiences including senior management and clients
Demonstrated ability to make sound credit judgements under time pressure and escalate concerns appropriately when required
Degree in Finance, Accounting, Economics, or a related discipline

Job Responsibility

Own end-to-end counterparty credit risk coverage for a portfolio of alternative asset managers, conducting initial, ongoing, and annual credit due diligence to a consistently high standard
Author high-quality credit reviews — including initial assessments, annual reviews, and analyses of material transactions — that clearly articulate risk/return trade-offs for senior stakeholders
Assess transaction risk across a full suite of capital markets products, including Equity, FX and Fixed Income Prime Brokerage, Futures, Clearing, Repo, and bilateral OTC derivatives
Lead credit-focused legal negotiations and manage the escalation process for approvals, ensuring decisions are well-reasoned, timely, and aligned with Wholesale Credit Risk standards
Build and maintain trusted relationships with senior client contacts — including COOs, CFOs, and CCOs — through on-site due diligence meetings, calls, and regular engagement, positioning yourself as a go-to credit contact for clients
Partner closely with internal business teams and Second Line of Defense Risk partners to deliver balanced risk assessments and ensure best-in-class governance and controls
Monitor portfolio developments, identify emerging credit concerns, and escalate issues proactively to protect Citi's risk position and client relationships

What we offer

Hybrid working model
Access to a broad global network of risk, trading, and client professionals across Citi's institutional businesses
Ongoing learning and development opportunities
Competitive compensation and a comprehensive benefits package
Wellbeing and family support programs
Medical, dental & vision coverage
401(k)
Life, accident, and disability insurance
Wellness programs
Paid time off packages including vacation, sick leave, and paid holidays

Fulltime

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