Credit Portfolio Officer

Job ID: 102455448512Posted: 2026-10-26Location: Irving, Texas, United StatesCategory: Risk ManagementCompany: CitiCitibank, N.A. seeks a Credit Portfolio Officer for its Irving, Texas location.Duties: Perform quantitative analysis and consumer credit management for loss recognition, specifically within the US residential real estate line of business. Lead the strategic development and implementation of data-driven credit risk initiatives, early default and loss mitigation strategies, ensuring adherence to policy, balancing risk and reward, maximizing profitability, and minimizing portfolio losses, while continuously analyzing performance and ensuring compliance with the firm’s requirements. Develop credit portfolio management strategies across loan default lifecycle leveraging data analytics inclusive of models, on-us/off-us data, and business rules. Apply a broad knowledge of applicable credit policies, industry regulations and the requisite impact of those governance items to mortgage servicing and loss mitigation initiatives. Analyze and review the current data quality and infrastructure being used for loss mitigation programs for accuracy and recommend appropriate measures to improve data quality. Work closely with and establish cross-functional partnerships and networks with independent risk management and policy team and stakeholders in mortgage-servicing, finance, controls, legal & compliance areas, supporting both US Personal Banking and Wealth divisions on an expansive set of portfolio objectives. Support US residential real estate line of business divisions to deliver performance aligned with the risk-appetite framework. Use analytical techniques to monitor execution of loan loss recognition activities. Utilize SAS to perform risk, financial and data analyses including profiling, sampling, segmentation, and provide analysis against forecasted performance metrics for new and existing loss mitigation treatment options influencing strategic business decisions. Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity. Develop, track and report key initiatives, performance results, emerging trends by analyzing and identifying risks, ensuring appropriate escalation and communication is provided to senior leadership. Implement loss mitigation strategies per policy guidelines. Utilize analytical tools such as SAS, SQL or Python, to develop data driven insights with regards to loss mitigation strategies and initiatives. Develop and manage a complex, critical, multi-disciplinary servicing risk management functional area of responsibility. Utilize internal credit risk statistical models driving business decisions ensuring loss mitigation strategy performance. A telecommuting/hybrid work schedule may be permitted within a commutable distance from the worksite, in accordance with Citi policies and protocols.Requirements: Requires a Bachelor’s degree, or foreign equivalent, in Analytics, Engineering (any), or related field and 6 years of progressively responsible, post-baccalaureate experience as a Risk Analyst, Data/Information Analyst or related position performing portfolio risk and credit assessment across customer segments within the residential real estate industry, including residential mortgage lending and home-equity products. 6 years of experience must include: Developing quantitative frameworks and data analytics for credit risk management, including data collection, segmentation analysis, sensitivity testing, business rules documentation, model documentation, and production implementation; Supporting regulatory submissions, including risk appetite frameworks and stress testing exercises including CCAR; Developing Loss Mitigation and Credit portfolio management strategies across loan default lifecycle; Profiling, statistical sampling, and dynamic segmentation; SAS, SQL, Python; Preparing risk management presentations for senior management; Risk management and optimization for credit portfolios; and Utilizing credit risk statistical models to drive business decisions, forecast loss mitigation outcomes, and ensure portfolio profitability. Applicants submit resumes at Please reference Job ID #26994558. EO Employer.Wage Range: $163,000 to $172,000Job Family Group: Risk ManagementJob Family: Portfolio Credit Risk Management------------------------------------------------------Job Family Group: ------------------------------------------------------Job Family:------------------------------------------------------Time Type:Full time------------------------------------------------------Primary Location:Irving Texas United States------------------------------------------------------Primary Location Full Time Salary Range: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.------------------------------------------------------Most Relevant Skills Wholesale Lending Operations Management.------------------------------------------------------Other Relevant Skills For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------Anticipated Posting Close Date:Dec 11, 2026------------------------------------------------------Automated Processing and AIWe use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.Illinois residents – AI Notice and Right------------------------------------------------------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.If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.View Citi’s EEO Policy Statement and the Know Your Rights poster.