Credit Risk Senior Officer

• Strategic professional who closely follows latest trends in own field and adapts them for application within own job and the business
• responsible for the financial analysis, risk assessment and credit structure recommendation for cash flow lending products
• complete in depth analysis of financial data and other information provided by the client and/or banker in the field
• oversee deal approvals including timing of approvals and turnaround in collaboration with Independent Risk and business partners
• supplement analysis with research and evaluations from a wide variety of sources to develop an assessment of client, competitor/industry risks and trends for senior management and/or the Senior Credit Officer
• monitor an assigned credit portfolio and complete periodic reviews
• maintain a thorough understanding of the content and aggregate risks within the portfolio, trends and other key statistics
• execute early warning procedures to promote preventative action where appropriate
• assist in the development of appropriate procedures around approvals, underwriting, and portfolio functions in consultation with Independent Risk and senior business leaders
• assist in the development of appropriate credit guidelines around proposed cash flow lending appetite in consultation with Independent Risk
• assists revenue growth and contains credit losses, while managing risk within credit policy
• manage underwriting process for an increase credit request to an existing portfolio client
• pro-actively reach out to line partners, creating a shared learning environment between remote location and front office
• 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

• 10+ years credit experience required - commercial real estate/affordable housing/mortgage preferred
• proven track record of successfully managing leveraged finance portfolios in the commercial lending space
• excellent communication and diplomacy skills required in order to negotiate internally, often at a senior level and occasionally with external customers
• thorough credit and analytical skills, knowledge of credit products
• effective verbal and written communication skills
• ability to train, recruit, and mentor teams of professionals
• bold in approach to approve sound credit and highly collaborative work style

Master’s degree preferred

• 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