Senior Credit Officer

The Credit Portfolio Senior Officer I 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: Lead key business projects and the implementation of initiatives related to policy governance and manage policy exceptions/approvals and entries Focus on process improvement and creating efficiencies by ensuring an effective approach and partnership with Audit management and apply consumer risk function knowledge (e.g., scoring and segmentation techniques and their uses) Conduct gap analyses and remediation work of any misalignments for policy changes Ensure test and significant credit changes are adequately reported and tracked and Peak Ending Net Receivables (ENRs) are adequately approved and stored systemically Provide regular feedback on all initiatives, tracking, reviews and reporting emerging trends and opportunities to senior management Establish cross-functional partnerships and networks to contribute to and execute cross-functional and business initiatives, such as developing/maintaining infrastructure through partnership with the Centralized Risk Infrastructure team 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. Qualifications: 10+ years of experience in credit risk management or equivalent training and experience preferably in the financial services industry Experience in people management and leadership Working knowledge of SAS or SQL programming and MS Office software proficiency required Consistently demonstrate clear and concise written and verbal communication Demonstrated ability to view data holistically and remain detail oriented to synthesize, prioritize and deliver results with urgency Demonstrated interpersonal, organizational, analytical, presentation, facilitation, negotiation and strategic skills Proven ability to obtain support and buy-in across a wide range of internal and external audiences Demonstrated work ethic and influencing skills Education: Bachelor's degree/University degree or equivalent experience Master's degree preferred Working Environment office setting, minimal travel required. Effort: minimal physical effort required. \------------------------------------------------------ Job Family Group Risk Management \------------------------------------------------------ Job Family Portfolio Credit Risk Management \------------------------------------------------------ Time Type Full time \------------------------------------------------------ Primary Location Wilmington Delaware United States \------------------------------------------------------ Primary Location Full Time Salary Range $144,480.00 - $216,720.00 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. \------------------------------------------------------ Most Relevant Skills Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle. \------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. \------------------------------------------------------ Anticipated Posting Close Date Aug 03, 2026 \------------------------------------------------------ Automated Processing and AI We 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 \------------------------------------------------------ Equal Opportunity Employer Statement 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. #J-18808-Ljbffr