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SVP, Credit Review Senior Officer - Consumer (FCR Reviewer)

Job Req ID 22561807 Location(s) Tampa, Florida; Fort Lauderdale, Florida; Irving, Texas Job Category Risk Management
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Global Risk Review (GRR) provides independent, objective, reliable, valued and timely assurance to the Boards, the Committees, the Citigroup Chief Risk Officer (CRO), the CBNA CRO, senior management and regulators over the effectiveness of credit, capital and collateral risk management and the ability of the Business and independent Risk Management to identify, monitor and mitigate current and emerging risks. Within GRR, the Fundamental Credit Risk (FCR) function provides an independent review and challenge of credit risk management.

The Credit Review Senior Officer – Consumer is responsible for independently managing all aspects of his or her assigned Review Entities. Responsibilities include execution of Business Monitoring and Reviews in accordance with the FCR Manual, monitoring and evaluation of GCB Consumer Bank portfolios, strategies, and credit risks, assessment of the effectiveness of credit risk management of assigned businesses, proposal of pragmatic solutions to risk and control issues, and maintaining ongoing contact with a Review Entity’s management through continuous Business Monitoring and corrective action follow-up where applicable.

Key responsibilities:

  • Management of assigned FCR Review Entities through quarterly Business Monitoring and periodic Reviews
  • Assessment of the quality of assigned portfolios and relationships, including identification and evaluation of emerging risks
  • Assessment of the appropriateness of ratings of the assigned Consumer Review Entities
  • Assessment of the appropriateness, completeness, and usage trends of the credit risk components of the Risk Appetite Framework for assigned Review Entities
  • Assessment of the effectiveness of the credit risk processes and standards of assigned Review Entities to promote leading practices and identify opportunities for improvements
  • Assessment of Business and Risk staffing levels to determine the effects on assigned Review Entities
  • Preparation of Credit Assessment Documents in accordance with and at the quality standards required by the FCR Manual and Review Guides
  • Use tools and techniques, including sampling and transactional testing, to effectively identify and assess adherence to credit policies as well as risk trends
  • Approval of testing prepared Guest Reviewers
  • Evaluation of the appropriateness of Corrective Action Plans resulting from Reviews or Business Monitoring, and subsequent validation of the effectiveness of the same after implementation by the Business
  • Accountability for the quality and consistency of work products that include Credit Assessment Documents, Sample Rationale Documents, and Fundamental Credit Review Reports created for the assigned Review Entities
  • Participate in analytical projects and/or reviews as needed by GRR Management.
  • Support Region Heads, Global Head of Consumer Credit Review and GRR Management on regional and/or global tasks
  • Proactive communication to Region Head and GRR Senior Management of any concerns and/or emerging risks that may jeopardize the assigned Review Entities
  • Travel required (15% to 50% depending on Region)


  • Demonstrable financial services experience including 10+ years of credit experience in consumer banking businesses,
  • Good knowledge of consumer banking products and their credit cycle
  • Fully conversant in credit policy matters with proven sound judgment
  • Regulatory experience or relevant experience in a similar role at another institution is desirable


  • Advanced analytical skills, with the ability to identify root causes and trends and anticipate horizon issues
  • Ability to recognize emerging risks, including operational risk.
  • Proven ability to build and maintain relationships and exert influence without direct authority.
  • Excellent written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
  • Proficient in Microsoft Office (Word, Excel, and PowerPoint)
  • Proficient in use of statistical tools and methodology in understanding / analyzing portfolio credit risk and for sample selection
  • Knowledge of Citi's organization and systems preferred.
  • Language skills preferred, depending on region


  • BA/BSc  or higher in business, finance, or a related field
  • Senior Credit Officer qualification preferred

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


Job Family Group:

Risk Management


Job Family:

Credit Review Risk Management


Time Type:

Full time


Primary Location:

Tampa Florida United States


Primary Location Salary Range:

$121,640.00 - $182,460.00


Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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.

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Effective November 1, 2021, Citi requires that all successful applicants for positions located in the United States or Puerto Rico be fully vaccinated against COVID-19 as a condition of employment and provide proof of such vaccination prior to commencement of employment.

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