Risk QC Credit Officer - Mortgage underwriting, Citi

Citi

Location:
India, Mumbai

Category:
Banking

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

The Credit Risk Officer provides full leadership and supervisory responsibility. Provides oversight of the QC audit process, teams, and partners with the business. Applies in-depth disciplinary knowledge through provision of value-added perspectives. Develops processes, procedures, and plans within the overall function. Strong communication and diplomacy skills are required as well as ability to work with multiple business functions. Will have responsibility for quality, timeliness of audits and accurate reporting. Will monitor quality as a whole ensuring results remain within risk appetite.

Job Responsibility:

Performs oversight of the audit function for High Net Worth, Ultra High Net Worth and Portfolio lending
Responsible for managing Risk and Controls and maintaining quality expectations set forth by the organization
Integrates in-depth credit underwriting background of complex transactions for HNW and UHNW clients
Uses sound judgment to oversee more complex audit reviews and provide feedback to teams
Develop, conduct and host meetings with Senior level management as well as attend meetings with cross-functional business partners
Analyze data, provide root cause analysis, generate accurate reports on a regular basis as well as facilitating ad-hoc reporting
Interact with and present to regulators, GSE's and internal audit as needed
Attend various Regulatory Meetings, exam preparation meetings on behalf of Credit Risk to evaluate impacts
Ability to appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup

Requirements:

10+ years previous consumer Mortgage underwriting experience
Extensive mortgage industry knowledge related to credit worthiness, regulatory requirements, agency/non-agency (including portfolio, HNW and UHNW) and FHA/VA guidelines
Exceptional skills in creating Power Point Presentations, Excel Spreadsheets and Word Documents
Must be highly ethical and work with integrity
Excellent verbal and written communication skills as well as effective listening skills
Able to work across all levels in Risk Management and also with other Governance/Controls and business teams
Excellent Presentation skills – adept at presenting effectively to audiences of various sizes and adapting style as necessary
Able to work with key decision makers across various levels and functions within the organization
Able to work in a rapidly changing environment, on multiple projects while supporting the audit team as a whole
Strong organizational skills and attention to detail
Strong ability to analyze data and provide root cause analysis, identify trends, and recommend actions
Bachelor's/University degree or equivalent professional experience

Nice to have:

Analytical Thinking
Constructive Debate
Escalation Management
Financial Analysis
Policy and Procedure
Policy and Regulation
Product Knowledge
Risk Controls and Monitors
Risk Identification and Assessment
Credible Challenge
Data Analysis
Laws and Regulations
Management Reporting
Referral and Escalation
Risk Remediation

Additional Information:

Job Posted:
September 27, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Risk QC Credit Officer - Mortgage underwriting