Credit Portfolio Officer

Citi • Irving, TX

2d • $163,000 - $172,000 • Hybrid

About The Position

Citibank, N.A. seeks a Credit Portfolio Officer in Irving, Texas. The role performs quantitative analysis and consumer credit management for loss recognition within the US residential real estate line of business. It leads the strategic development and implementation of data-driven credit risk initiatives and early-default and loss-mitigation strategies, balancing risk and reward, supporting profitability, minimizing portfolio losses, monitoring performance, and ensuring compliance with firm requirements and policy guidelines.

The position develops credit portfolio management strategies across the loan-default lifecycle using data analytics, models, on-us/off-us data, and business rules. It reviews data quality and infrastructure used for loss-mitigation programs and recommends improvements. The officer partners with independent risk management and policy teams and stakeholders in mortgage servicing, finance, controls, legal, and compliance, supporting US Personal Banking and Wealth divisions and aligning business performance with the risk-appetite framework.

Using SAS, SQL, Python, and internal credit-risk statistical models, the officer analyzes risk, financial, and data matters, including profiling, sampling, segmentation, and performance against forecasts for loss-mitigation treatment options. The role monitors loan-loss recognition activities, prepares senior-management presentations on expected portfolio performance and potential risks or opportunities, tracks initiatives and emerging trends, and escalates relevant information to senior leadership. It also develops and manages a complex, critical, multidisciplinary servicing risk-management area. A telecommuting/hybrid schedule may be permitted within commuting distance of the worksite, subject to Citi policies and protocols.

Requirements

• Bachelor’s degree or foreign equivalent in Analytics, Engineering (any), or a related field.
• Six years of progressively responsible, post-baccalaureate experience as a Risk Analyst, Data/Information Analyst, or in a related position performing portfolio risk and credit assessment across customer segments in the residential real estate industry, including residential mortgage lending and home-equity products.
• Six years of experience developing quantitative frameworks and data analytics for credit risk management, including data collection, segmentation analysis, sensitivity testing, business-rules documentation, model documentation, and production implementation.
• Six years of experience supporting regulatory submissions, including risk-appetite frameworks and stress-testing exercises such as CCAR.
• Six years of experience developing loss-mitigation and credit portfolio management strategies across the loan-default lifecycle.
• Six years of experience with profiling, statistical sampling, and dynamic segmentation.
• Six years of experience using SAS, SQL, and Python.
• Six years of experience preparing risk-management presentations for senior management.
• Six years of experience in risk management and optimization for credit portfolios.
• Six years of experience using credit-risk statistical models to drive business decisions, forecast loss-mitigation outcomes, and ensure portfolio profitability.

Responsibilities

• Perform quantitative analysis and consumer credit management for loss recognition in the US residential real estate line of business.
• Lead development and implementation of data-driven credit risk initiatives and early-default and loss-mitigation strategies.
• Analyze portfolio performance and ensure adherence to policy, firm requirements, and applicable regulations.
• Develop credit portfolio management strategies across the loan-default lifecycle using models, on-us/off-us data, analytics, and business rules.
• Review data quality and infrastructure used for loss-mitigation programs and recommend improvements.
• Partner with independent risk management, policy, mortgage-servicing, finance, controls, legal, and compliance teams and stakeholders.
• Support US Personal Banking and Wealth divisions and help align performance with the risk-appetite framework.
• Use analytical techniques to monitor loan-loss recognition activities.
• Use SAS to conduct risk, financial, and data analyses, including profiling, sampling, segmentation, and comparisons with forecast performance metrics.
• Use SAS, SQL, or Python to develop data-driven insights for loss-mitigation strategies and initiatives.
• Prepare risk-management presentations for senior management covering expected portfolio performance and potential risks or opportunities.
• Develop, track, and report key initiatives, performance results, and emerging trends; identify risks and escalate and communicate them to senior leadership.
• Implement loss-mitigation strategies in accordance with policy guidelines.
• Use internal credit-risk statistical models to support business decisions and assess loss-mitigation strategy performance.
• Develop and manage a complex, critical, multidisciplinary servicing risk-management functional area.

Benefits

• Medical coverage
• Dental coverage
• Vision coverage
• 401(k)
• Life, accident, and disability insurance
• Wellness programs
• Paid time off, including vacation and sick leave
• Paid holidays
• Eligible employees may receive discretionary and formulaic incentive and retention awards

What This Job Offers

• Job Type: Full-time
• Career Level: Senior