Credit Portfolio Officer - Vice President (Mortgage Risk Management)-Hybrid

Credit Portfolio Officer - Vice President (C13) is a senior-level position responsible for leading activities including credit review, credit performance and monitoring the portfolio to identify and mitigate credit risk in the US Retail Real Estate portfolio. The overall objective of this role is to manage Citi's mortgage credit risk for conventional and home equity portfolio exposure.

Responsibilities:

• Develop framework for portfolio risk assessment including evaluation of credit and financial performance across varied mortgage lending products including conventional mortgages and Home Equity.

• Utilize Statistical Analysis System (SAS) and SQL to perform risk, financial and data analyses including profiling, sampling, forecasting and servicing oversight due diligence.

• Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity.

• Work closely with credit policy, legal, compliance, finance, underwriting and other stake holders to develop strategies to mitigate servicing risk.

• Acts as SME to senior stakeholders and /or other team members.

• 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:

• 6-10 years of experience in Mortgage Risk management or equivalent training and experience preferably in the financial services industry.

• Proficiency in SAS, SQL, Python or other related tools used in risk analytics and portfolio monitoring

• Strong knowledge of credit risk assessment, delinquency trends.

• Knowledge of FICO score requirements, Debt to Income (DTI) ratios, Loan to Value (LTV) limits and other related credit risk factors.

• Experience in line management strategies, including credit line increases, reductions and account closures a plus.

• Proven ability to apply credit and risk principles toward business goals.

• Demonstrated ability to synthesize and prioritize.

• Has the ability to operate with a limited level of direct supervision.

• Can exercise independence of judgement and autonomy.

• Proven ability to remain organized in a fast-paced environment.

• Demonstrated interpersonal, organizational and analytic skills.

Education:

• Bachelor's degree/University degree or equivalent experience

• Master's degree preferred

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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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Anticipated Posting Close Date:

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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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