Citigroup SVP, Credit Portf Senior Officer I in Queens, New York
The Credit Portfolio Senior Officer I is a senior-level position responsible for leading activities including credit review, credit approvals, monitoring the portfolio to identify credit migration in coordination with the Risk Management team, assisting the business in structuring credit opportunities and ensuring that credit extensions are in compliance with credit policies and display appropriate risk/return attributes. The overall objective of this role is to manage Citi's portfolio exposure to client and counterparties globally. 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.
Assist in the structuring of credit opportunities to ensure that risk and reward are appropriately balanced in extending credit.
Review and approve credit proposals, annual reviews and criticized credit reviews.
Ensure that all credit extensions are in compliance with target market, collateral, documentation, legal and regulatory requirements.
Promote a strong and balanced risk management culture and demonstrate rigorous credit analysis in the underwriting and portfolio management processes.
Conduct post loan reviews on credit facilities approved by Business
Lead execution of key projects.
Provide oversight and mentor a team of in Business Relationship Managers and Credit Officers.
Assess the implications to other Risk disciplines when approving transactions or statistical methodologies.
Lead and coordinate cross functional teams to build credit processes and undertake necessary projects.
Use available tools and portfolio management techniques to effectively identify and assess trends and risks in the portfolio.
Assess overall risk infrastructure and linkages within Citi's architecture.
Anticipate client needs (internal and external) and proactively generate ideas to deliver innovative solutions and improve Citi’s competitiveness. Ensure that escalated client issues are resolved with urgency.
Build partnerships across functions/regions. Create and sustain a network of strong relationships.
Monitor portfolio performance, monitor exceptions, and recommend, where appropriate, to refocus Business strategy and credit approval workflows to be more effective and efficient in turnaround and the quality of approvals.
Conduct periodic portfolio and remedial relationship reviews.
Minimum Bachelor’s degree required MBA or equivalent advanced training preferred.
Minimum 8 years’ experience in commercial lending risk management and/or related assignments with at least 3 years’ experience in the U.S.
Product or industry expertise preferred.
Superior risk assessment skills, including problem recognition, defining and structuring solutions to credit related issues
Strong technical skills
Experience in remedial management situations.
Demonstrate integrity, independence, leadership, judgment and ability to balance risk and reward.
Conversant in risk principles, including market, operational, cross border and concentration risk.
Understanding of major capital markets products.
Senior Credit Officer (SCO) approval authority or equivalent required.
U.S. collateral perfection requirements.
Broad exposure to Commercial and Industrial (C & I) lending.
Expertise in or the ability to quickly develop the required skill-set in identified specialized segments like healthcare.
Computer literate: Word, Excel, PowerPoint, and familiarity with internal bank systems and platforms. Attention to detail with focus on maintaining data integrity.
Ability to work closely with Loan Operations, Service, Product Managers, Remedial Management, Legal, and Compliance to achieve the business’s objectives.
Ability to balance risk and reward. Willingness to support business growth.
Job Family Group:
Credit & Portfolio Risk Management
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