Risk QC Credit Officer, Citi

Citi

Location:
India, Mumbai

Category:
Finance

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

The Risk QC Credit Officer delivers results by exercising discretion and judgment that is based on an in-depth subject matter and industry expertise. Evaluates complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Strong communication and diplomacy skills are required in order to support, guide and influence others, in particular colleagues within the function and in other areas. May assist management with planning, policy and procedure formulation, and feedback regarding work product quality. Requires strong knowledge of process and the ability to identify gaps and take the lead on process improvement.

Job Responsibility:

conduct reviews of credit transactions ranging in complexity with direct business impact
provide timely and accurate feedback to appropriate levels of management within the function regarding necessary corrections, adjustments and observations found during second level monthly audit reviews
consistently evaluate processes and controls for improvement opportunities, potential gaps and appropriate remediation
escalate process related concerns to the appropriate levels of management within the function
may interact with Risk Management, Originations and/or Credit Policy staff, including senior management levels when applicable or directed, to resolve issues
performs other duties and functions as assigned

Requirements:

7+ years of experience in underwriting consumer mortgages
familiarity with Fannie Mae and Freddie Mac guidelines required
other experience with portfolio or home equity lending is a plus
thorough knowledge of property and credit requirements, including secondary marketing concepts
excellent oral/written communication skills
strong analytical, process driven and problem-solving skills
ability to interact with all levels of the organization
confident in ability and able to credibly defend rationale for decisions if challenged or otherwise necessary
excellent leadership skills

Nice to have:

other experience with portfolio or home equity lending is a plus

Additional Information:

Job Posted:
July 01, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Risk QC Credit Officer