Discover your future at Citi

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Job Overview

The Credit Risk Senior Officer SVP is a strategic professional who closely follows latest trends in own field and adapts them for application within own job and the business. Typically a small number of people within the business that provide the same level of expertise. Excellent communication skills required in order to negotiate internally, often at a senior level. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Accountable for significant direct business results or authoritative advice regarding the operations of the business. Necessitates a degree of responsibility over technical strategy. Primarily affects a sub-function. Responsible for handling staff management issues, including resource management and allocation of work within the team/project.

Responsibilities:

Strategic professional who closely follows latest trends in own field and adapts them for application within own job and the business.Responsible for the financial analysis, risk assessment and credit structure recommendation for cash flow lending products.Complete in depth analysis of financial data and other information provided by the client and/or banker in the fieldOversee deal approvals including timing of approvals and turnaround in collaboration with Independent Risk and business partnersSupplement analysis with research and evaluations from a wide variety of sources to develop an assessment of client, competitor/ industry risks and trends for senior management and/or the Senior Credit OfficerMonitor an assigned credit portfolio and complete periodic reviews; maintain a thorough understanding of the content and aggregate risks within the portfolio, trends and other key statisticsExecute early warning procedures to promote preventative action where appropriateAssist in the development of appropriate procedures around approvals, underwriting, and portfolio functions in consultation with Independent Risk and senior business leadersAssist in the development of appropriate credit guidelines around proposed cash flow lending appetite in consultation with Independent RiskAssists revenue growth and contains credit losses, while managing risk within credit policy.Manage underwriting process for an increase credit request to an existing portfolio client.Pro-actively reach out to line partners, creating a shared learning environment between remote location and front office.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 credit experience required - commercial real estate/affordable housing/mortgage preferredProven track record of successfully managing leveraged finance portfolios in the commercial lending spaceExcellent communication and diplomacy skills required in order to negotiate internally, often at a senior level and occasionally with external customersThorough credit and analytical skills, knowledge of credit productsEffective verbal and written communication skillsAbility to train, recruit, and mentor teams of professionals; Bold in approach to approve sound credit and highly collaborative work style

Education:

Bachelor’s/University degree, Master’s degree preferred

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 Decisions

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Time Type:

Full time

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Primary Location:

Los Angeles California United States

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Primary Location Full Time Salary Range:

$155,360.00 - $233,040.00

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, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

Credible Challenge, Data Analysis, Laws and Regulations, Management Reporting, Referral and Escalation, Risk Remediation.

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Anticipated Posting Close Date:

Aug 25, 2025

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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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