The Credit Portfolio Officer, Vice President is a senior-level position responsible for leading activities including credit review, credit approvals and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to client and counterparties globally.
 

Responsibilities:

• Develop framework for portfolio risk assessment including evaluation of credit and financial performance across varied lending products and industry segments

• Analyze the credit portfolio to identify inherent risks, including credit, market, operational, and compliance risks.

• Quantify potential risk exposures using established methodologies, models, and stress testing techniques.

• Stay abreast of industry trends, regulatory changes, and emerging risks that could impact the portfolio.

• Track risk exposures against established limits, tolerances, and risk appetite.

• Monitor portfolio performance and identify early warning signs of credit deterioration or breaches of risk appetite.

• Prepare regular reports on portfolio risk profile, key risk drivers, and emerging trends for senior management.

• Implement and maintain effective risk controls in accordance with policies, procedures, and regulatory requirements.

• Participate in the development and implementation of new risk mitigation strategies and controls.

• Escalate control breaches and potential risk events to appropriate stakeholders promptly.

• Contribute to the preparation of accurate and timely risk reports for internal and external stakeholders, including regulators.

• Clearly articulate risk exposures, trends, and mitigation strategies in written and verbal communications.

• Participate in internal and external audits and regulatory examinations, providing requested information and insights.

Qualifications:

• 6-10 years of experience in credit risk management, portfolio analysis, or a related field.

Skills:

• Strong analytical and problem-solving skills.

• Excellent communication and presentation skills, both written and verbal.

• Ability to work independently and as part of a team.

• Proficient in Microsoft Office Suite, particularly Excel and PowerPoint.

• Knowledge of statistical modeling software (e.g., SAS) is a plus.

• Takes initiative and demonstrates a proactive approach to risk management.

• Strong attention to detail and commitment to accuracy.

• Ability to work under pressure and meet deadlines. Strong ethical values and commitment to compliance.

Knowledge/Experience:

• Solid understanding of credit risk concepts, methodologies, and regulatory requirements.

• Experience in analyzing credit data, financial statements, and market trends.

• Familiarity with risk management tools, databases, and reporting systems.

• Knowledge of credit products and lending practices.

Education:

• Bachelor's degree/University degree or equivalent experience

• Master's degree preferred

Knowledge/Experience:

• Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.

• Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures.

• Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.

• Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization.

• Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda.

• Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities.

• Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.

• Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness.

• Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements.

• Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals.

• Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult.

• Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals.

• Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi’s clients and the community.

• Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development.

• Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities.

• Empathetically listens and understands others’ positions before acting on issues; works to amplify voices that are minimized in the workplace.

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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Primary Location:

Wilmington Delaware United States

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Primary Location Full Time Salary Range:

$114,720.00 - $172,080.00

In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

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Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

Feb 03, 2026

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

 

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View Citi’s EEO Policy Statement and the Know Your Rights poster.