Credit Portfolio Sr Analyst, AVP

at Citigroup in Wilmington, Delaware, United States

Job Description

The Credit Portfolio Senior Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval 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 clients and counterparties globally.


+ Contribute to the development of new techniques and improvement of processes and work-flows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management

+ Develop recommendations to adjust credit policies by analyzing credit and financial performance and utilizing statistical scoring, segmentation, and regression and simulation techniques

+ Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing

+ Research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as required

+ Participate in developing, testing, and optimizing credit policies, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives

+ Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management

+ 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.


+ 0-3 years of relevant experience

+ Knowledge of commercial risk analytics

+ Ability to apply credit and risk principles toward business goals

+ Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency

+ Proven ability to remain organized in a fast-paced environment, managing multiple projects

+ Proven interpersonal, organizational and analytic skills


+ Bachelor’s degree/University degree or equivalent experience

A role in the Governance Policy, Process and Design team affords an opportunity to learn a lot about the various functions in the Cards Business, Risk Management and other lines of business within Citi. Relevance of issues faced across various groups within cards and other lines of business within Citi and the analysis of common threads of data across all of these entities has made this role evolve into a far reaching role where solutions to problems need to be innovative and executable while at the same time being sound and controlled. The position is unique in that it will afford the candidate opportunities within many separate aspects of the US Consumer Bank Risk Management spectrum of work.

Control Program Execution, Enhancement and Review:

• Execution, enhancement and review of the control program across US Consumer Bank businesses (Branded Cards, Citi Retail Services, Retail Bank, Mortgage, Risk Modeling Utility).

• A variety of Universal (common) controls will be executed and reported on by the person in this role. The role will be responsible for the ongoing enhancement of the same as well as contributing to effective communication that can be used to better ensure compliance across the Risk organization.

• Alignment of the control program across USCB Risk to ensure that best practices are observed and consistent across all units and where differences exist they are purposeful.

• Automation of controls will be a key area of focus which the person in this role will participate in along with other groups within the Risk Management team as well as CBORC and Technology partners.

• Ongoing focus on bringing together the results of control execution from across the USCB Risk to contribute to communication of a unified message to management as well as determine best practices across these businesses and implement consistent approaches.

• Contribution to communication of various detailed as well a high level presentations that will be shared with a variety of levels of management with varying frequency depending on the forum being presented in and the ongoing needs of the business.

Job Family Group:

Risk Management

Job Family:

Credit & Portfolio Risk Management

Time Type:

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.

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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.

Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

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Job Posting: JC197054202

Posted On: Nov 08, 2021

Updated On: Dec 11, 2021