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The Credit Risk Senior Officer II is a strategic professional who closely follows latest trends in own field and adapts them for application within own job and the business. Recognized subject matter expert within one area. Strong commercial awareness is a necessity. Is an acknowledged authority both within and outside area of expertise. 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. Some external communication is typically required. Provides advanced judgment and conducts in-depth quantitative or qualitative analysis to solve problems and develop new, innovative solutions. Required to think beyond existing solutions, assumptions or current knowledge of sophisticated areas. Significant impact on a function and/or the business through making decisions that determine technical approaches and strategies for the area.
Responsibilities:
Manage regional and other key Risk reviews
Assess quality of assigned portfolios, including identification and evaluation of emerging risks
Assess effectiveness of the credit risk processes and standards of assigned entities to promote leading practices and identify opportunities for improvements
Review and assess the appropriateness, completeness and usage trends of the credit risk components of the Risk Appetite framework for the assigned portfolios
Provide autonomous assessment of the accuracy and appropriateness of risk ratings and classifications of the assigned portfolios
Assess business/risk staffing models to ensure appropriate resources for assigned entities
Ensures that corrective action plans for assigned businesses are appropriate, monitored and duly validated addressing concerns resulting from Fundamental Credit Risk reviews.
Assist the Risk Head on regional and/or global tasks
Develop a strategic plan to maximize the effectiveness and efficiency of the organization
Improve upon and expand the decision engine capabilities of the current collections process to insure optimal treatments are being applied to each account as they move through the delinquency buckets
Work with Collections and Recovery Ops to insure all processes are functioning optimally for the PG portfolios
Develop new approaches to collections by looking for best in class solutions across the industry
Infer the diverse opinions of Sr. Management and Regulators to effectively address all issues
Manage the relationships, expectations and deliverables for outside regulators, ARR, Regulatory reporting, Risk, Finance and Accounting Policy
Partner with Risk organization to understand the source of the data and continue to improve the process of defining, extracting and utilizing the data.
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:
15+ years financial services experience including credit experience in corporate and commercial bank
Regulatory experience or relevant experience in a similar role at another institution is desirable.
Fully conversant in credit policy matters
Good knowledge of capital markets products, including derivatives
Skilled at analyzing root causes of problems and anticipating “horizon” issues
Ability to coordinate and manage large review teams
Ability to work at senior levels and build constructive and effective relationships with peers
Effective analytical, written and oral communication skills
Project management skills
Education:
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
Experience in Financial Institutions
Job Family Group:
Risk Management
Job Family:
Credit Decisions
Time Type:
Full time
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Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.