Assistant Vice President, Quality Assurance Credit Officer

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Job Overview

The Quality Assurance Credit Officer delivers results by exercising discretion and judgment that is based on an in-depth subject matter and industry expertise.  Requires an understanding of how areas collectively mesh with the sub-function, the entire function and associated business functions.  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. Regularly assumes informal leadership role within teams.  Requires strong knowledge of process and the ability to identify gaps and take the lead on process improvement

Responsibilities: 

• Uses judgment to conduct reviews of credit transactions ranging in complexity with direct business impact.  This includes new residential real estate mortgage/HELOC financings ranging primarily in size from $500M to $5MM, with some larger dollar transactions up to $50MM, for professional services and high net worth customers of Citi Private Bank covering properties in the U.S.  Provides support and guidance to line level staff in the assigned sub-function(s) by providing guidance and final decisions related to challenging or complex audit level scenarios. Interface with Risk Management, Originations and/or Credit Policy staff, including senior management levels when applicable or directed, to resolve issues.
  
• Review portions of work completed by sub-process line level staff to confirm work product is accurate and consistent.  Work with staff to make necessary corrections and adjustments.  Provide timely and accurate feedback and recommendations to appropriate levels of management within the function regarding observations.
  
• Consistently evaluate sub-function processes and controls for improvement opportunities, potential gaps and appropriate remediation.  Escalate process related concerns to the appropriate levels of management within the function.
  
• Performs other duties and functions as assigned.

Qualifications: 

• Candidate should have 10+ years of experience in underwriting consumer mortgages; familiarity with Fannie Mae, Freddie Mac, FHA, VA 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 Education: Bachelors/University degree strongly preferred (Business, Finance, Accounting or Economics) or equivalent professional experience

Education: 

• Bachelors/University degree strongly preferred (Business, Finance, Accounting or Economics) or equivalent professional experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

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Job Family Group:

Risk Management

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Job Family:

Credit Risk

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Time Type:

Full time

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Primary Location:

Irving Texas United States

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Primary Location Full Time Salary Range:

$96,400.00 - $144,600.00

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, Credible Challenge, Financial Analysis, Governance, Policy and Procedure, Policy and Regulation, 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:

May 05, 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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