CrawlJobs Logo
Citi Logo Citi · Banking

Credit Risk Officer

United States, Irving 114720.00 - 172080.00 USD / Year · Job Posted March 04, 2026
Apply Position
Job Link Share

Job Description

Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi’s institutional clients. ICM’s objective is to provide integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise. Within ICM, the Credit Underwriting function (“ICM UW” or “UW”) provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking, Services, and Markets relationships. ICM Underwriters manage a portfolio of relationships across NAM Corporate - Natural Resources / Energy portfolio, being responsible for the continuous monitoring of that portfolio. That includes the production of annual reviews, quarterly reviews, and the support of ad-hoc transactions and portfolio & industry reviews and stress testing, in partnership with Corporate Banking and Risk. This role reports to NAM Corporate Underwriting Manager of Natural Resources - Energy vertical.

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

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

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
Citi - All Job Offers

Looking for more opportunities?

Search for other job offers that match your skills and interests.

Suggested Tags: Frontend Developer Secretary Talent Manager Salesforce Administrator Data Analyst
Similar Jobs for

Credit Risk Officer

8 matching positions

New

Credit Risk Officer

Citibank, N.A. seeks a Credit Risk Officer for its Getzville, New York location.
Location
Location
United States , Getzville
Salary
Salary:
130728.00 USD / Year
https://www.citi.com/ Logo
Citi
Expiration Date
August 05, 2026
Flip Icon
Requirements
Requirements
  • Master’s degree or foreign equivalent in Business Administration, Economics, Management Information Systems, Finance, Accounting or related field and 3 years of experience as a Credit Risk Analyst, Credit Portfolio Senior Manager, Tax Analyst or related position
  • Will also accept a Bachelor’s degree, or foreign equivalent in disciplines listed above and 6 years of progressively responsible, post-baccalaureate experience in the fields listed above
  • 3 years of experience must include: Leading alignment meetings by presenting industry analysis, financials, organizational structure of counterparty to business and risk partners
  • Analyzing trends in the industry Escalating credit risk and mitigating potential loss on extended credit for clients
  • Perform Financial Statement analysis and use accounting skills to Conduct credit research and financial stability of a company, evaluating and reporting profitability of a credit line for extended facilities
  • Managing and maintaining portfolio and conducting credit assessment for counterparties
  • Knowledge of risk and return models, and independent assessment for evaluating acquisition financing, and leveraging financing for counterparties
  • Evaluating risk for the obligors and performing financial analysis to determine and recommend an extension of credit line
  • Performing stress testing to determine the outlier in the portfolio, UAT testing to fill gaps in the process and analyzing different types of transactions, including margin and term loans and revolving credit facilities for the client
  • Loan documentation, collateral ratings, and key trading as agreements - ISDA/CSA
Job Responsibility
Job Responsibility
  • Assess analyst work and creditworthiness as a senior on the team and assign appropriate credit rating by credit & financial analysis
  • Review & underwrite the structuring of annual & transaction Credit Approval Memos
  • Complete/Review due diligence of North American Insurance companies with industry knowledge to provide appropriate extensions of credit remaining within risk appetite per Wholesale Credit Risk Policy, perform outlook & industry overview of the portfolio for presenting to leadership
  • Maintain updated credit research on a portfolio of clients and lead group wide efficiency projects
  • Help the team in assessing risks & mitigants, using both quantitative and qualitative factors to perform reviews/renewals for new and existing relationships
  • Lead/work with the team to perform complex transactions in sensitive timeline through collaborating cross functionally within 1st /2nd & 3rd Line of Defense
  • Supervise, review, & provide input on analysis as a senior on the team and seeks credit and regulatory approval for all annual/transactions as part of a deal team
  • Ensure best in class core credit risk analysis of applicable portfolio, ensuring consistencies with industry leading practices and conform to all internal credit procedures/policies, and all related regulatory expectations
  • Recognize concerns regarding execution of risk analysis and/or emerging risks which will need to be addressed by the team, and ensure the tactical execution of these guidelines are reflected on all core deliverables of the team
  • Ensure ongoing and timely feedback and coaching of Credit Risk Analysts, Credit Risk Senior Analysts, and Credit Risk Associates
What we offer
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
Read More
Arrow Right

Credit Risk Officer

As a Credit Risk Officer based in Chicago, you will be part of a growing team re...
Location
Location
United States , Chicago
Salary
Salary:
85000.00 - 110000.00 USD / Year
adyen.com Logo
Adyen
Expiration Date
Until further notice
Flip Icon
Requirements
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
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
What we offer
  • equity (RSUs)
  • Fulltime
Read More
Arrow Right

Credit Risk Officer

Join us as a Credit Risk Officer! Step into a role where your insight drives sma...
Location
Location
United Kingdom , Glasgow
Salary
Salary:
Not provided
barclays.co.uk Logo
Barclays
Expiration Date
Until further notice
Flip Icon
Requirements
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
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
What we offer
  • Fitness Suite
  • fitness classes
  • an on-site GP
  • a bicycle store
  • rooftop bar
  • structured hybrid working
  • flexible working arrangements
  • Fulltime
Read More
Arrow Right

Credit Risk Officer

The Credit Officer 3 is a strategic professional who stays abreast of developmen...
Location
Location
Philippines , Taguig City
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
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
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
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
Read More
Arrow Right

Risk Management Country Officer & Wholesale Credit Risk

The Risk Management Country Officer (RMCO) for Dominican Republic will double ha...
Location
Location
Dominican Republic , Santo Domingo
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
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
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
Read More
Arrow Right

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

The Mortgage Servicing Credit Risk Strategy & Analytics role will support the de...
Location
Location
United States , Irving
Salary
Salary:
114720.00 - 172080.00 USD / Year
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
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
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
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
Read More
Arrow Right
New

Consumer Credit Risk Officer

The Consumer Credit Risk Officer role is a pivotal position responsible for safe...
Location
Location
India , Pune, Maharashtra, India, Mumbai, Maharashtra, India
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Bachelor's degree in a relevant field (Finance, Risk Management, IT)
  • 2+ years of experience in consumer credit risk management or financial services
  • Understanding of credit risk models and decisioning systems
  • Strong capabilities in data analysis, data integration, and managing complex data sets
  • Proficiency with relevant technical tools and platforms (e.g., SAS, SQL)
  • Analytical mindset to interpret complex data and identify issues
  • Ability to provide actionable insights and drive effective solutions in dynamic environments
  • Consistently demonstrate clear and concise verbal and written communication skills
  • Ability to convey complex information to diverse audiences
  • Demonstrated leadership potential and ability to influence and collaborate effectively
Job Responsibility
Job Responsibility
  • Ensuring accuracy, integrity, security, and quality of data
  • Implementing robust data governance frameworks and controls
  • Managing data integration from various sources, especially third-party credit bureaus
  • Ensuring strict adherence to legal and regulatory standards (FCRA, OCC, CFPB, Federal Reserve)
  • Applying compliance across all data processes, systems, and reporting
  • Identifying, assessing, and mitigating risks related to data quality, credit risk models, and regulatory non-compliance
  • Acting as a key liaison and collaborating with internal stakeholders (e.g., Risk, IT, Compliance, Legal, Finance, Business units)
  • Leading initiatives to drive automation, enhance efficiency, and improve scalability of data management, testing, and compliance
  • Leveraging emerging technologies such as AI/ML
  • Contributing to the development and implementation of credit risk strategies
  • Fulltime
Read More
Arrow Right
New

Consumer Credit Risk Officer

The Consumer Credit Risk Officer role is a pivotal position responsible for safe...
Location
Location
India , Pune, Mumbai
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Bachelor's degree in a relevant field (Finance, Risk Management, IT)
  • 5+ years of experience in consumer credit risk management or financial services
  • Understanding of credit risk models and decisioning systems
  • Strong capabilities in data analysis, data integration, and managing complex data sets
  • Proficiency with relevant technical tools and platforms (e.g., SAS, SQL)
  • Analytical mindset to interpret complex data and identify issues
  • Ability to provide actionable insights and drive effective solutions in dynamic environments
  • Consistently demonstrate clear and concise verbal and written communication skills
  • Ability to convey complex information to diverse audiences
  • Demonstrated leadership potential and ability to influence and collaborate effectively
Job Responsibility
Job Responsibility
  • Ensuring accuracy, integrity, security, and quality of data
  • Implementing robust data governance frameworks and controls
  • Managing data integration from various sources, especially third-party credit bureaus
  • Ensuring strict adherence to legal and regulatory standards (FCRA, OCC, CFPB, Federal Reserve)
  • Applying compliance across all data processes, systems, and reporting
  • Identifying, assessing, and mitigating risks related to data quality, credit risk models, and regulatory non-compliance
  • Acting as a key liaison and collaborating with internal stakeholders (e.g., Risk, IT, Compliance, Legal, Finance, Business units)
  • Leading initiatives to drive automation, enhance efficiency, and improve scalability of data management, testing, and compliance
  • Leveraging emerging technologies such as AI/ML
  • Contributing to the development and implementation of credit risk strategies
  • Fulltime
Read More
Arrow Right