The Credit Risk role is focused on credit decision, analyzing the creditworthiness of individuals, portfolios, and entities, assigning risk ratings, recommending, or approving credit extensions or withdrawals, and providing ongoing monitoring of credit exposures. This role includes those with credit approval authority for portfolios requiring management for criticized names. Individuals within this role maintain a balance between risk and return, ensuring that credit policies are appropriate, and perform regular in-depth reviews of the credit portfolio. This role manages and mitigates potential adverse classification and credit losses, safeguarding the company's financial stability and supporting sustainable business growth.

Responsibilities:

• Lead the portfolio and key risk reviews, ensuring compliance and mitigating threats.
• Critically evaluate assigned portfolios, identifying and assessing emerging risks.
• Drive continuous improvement of credit risk processes and standards for assigned entities.
• Oversee and validate corrective action plans for identified issues, addressing concerns from control functions.
• Lead the review and assessment of the Risk Appetite framework, ensuring its appropriateness, completeness, and usage trends.
• Review, challenge, and provide approval for the assigned portfolio credits and/or recommendations to more senior credit officers as needed.
• Provide independent assessments on the accuracy and appropriateness of risk ratings and classifications for assigned portfolios.
• Assist the Risk Head in orchestrating regional and/or global tasks using innovative techniques and methodologies.
• Collaborate with other credit risk families to support the best outcome for Citi, sharing and implementing best practices.
• Manage relationships and expectations of external regulators, Regulatory reporting, Risk, Finance, and Accounting Policy.
• Make informed business decisions, considering risk assessment, the firm's reputation, and compliance with laws, rules, and regulations.
• Enforce compliance with applicable laws, rules, and regulations, upholding policy, and ethical business practices.
• Manage and report control issues with full transparency, using advanced judgment and innovative techniques.
• 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.
• 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.
• 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
• 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 teams and create accountability with those who fail to maintain these standards

Qualifications:

• 15+ years of experience in Risk Management
• Senior Credit Officer (SCO) nomination or equivalent
• Corporate Credit Approval background
• Requires a broad and comprehensive understanding of the credit risk field, recognized as a subject matter expert.
• Demonstrated thought leadership, developing new techniques, methodologies, and approaches for credit risk management.
• Proven track record of innovation and groundbreaking developments in credit risk assessment and mitigation.
• Expertise in evaluating complex issues with substantial impact, utilizing in-depth quantitative and qualitative analysis.
• Ability to drive change within and beyond the organization, shaping operational strategies and influencing industry standards.
• Exceptional communication skills, including clear articulation, effective presentation of complex information, and empathetic response.
• Advanced skills in mediating disputes and advocating for organizational interests with high-level stakeholders.
• Capability to challenge established norms and pioneer new approaches in complex domains.
• Proven ability to guide decision-making processes and implement technical solutions effectively.
• Fluency in English, Spanish, and Brazilian Portuguese

Education:

Bachelor's/University degree, Master's degree preferred

Job Family Group:

Risk Management

Job Family:

Credit Risk

Time Type:

Full time

Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

Other Relevant Skills

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

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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