Credit Risk Senior Officer

Overview

Citibank, N.A. seeks a Credit Risk Senior Officer I for its Irving, Texas location.

Duties:
Evaluate and manage credit risk across the Wealth Wholesale portfolio, including review of internal risk ratings, classifications, portfolio limits, and exceptions. Conduct independent and unbiased assessments of credit risk, analyzing credit limits, exposure components, collateral details and ensuring data integrity in internal credit systems. Ensure that all relevant credit‑related data is accurately reflected in internal credit systems. Support oversight of the end‑to‑end credit risk rating lifecycle, including Risk Rating Processes and Risk Rating Models.

As Model Sponsor, engage with Model Developer team to develop or update internal Risk Rating Models. Review Ongoing Performance Assessment, Model Development Documentation, Annual Model Reviews, Limitation remediations and model changes for the Risk Rating Models. Manage projects for implementation of Risk Rating models in Citi’s systems for use in underwriting processes. Develop and maintain model controls. Ensure adherence to internal credit risk policies and frameworks and evaluate the effectiveness of credit risk management practices.

Evaluate the appropriateness of Corrective Action Plans resulting from Credit Reviews or Quarterly Business monitoring, and validate the effectiveness of the corrective actions after implementation by the management. Lead the risk reporting projects to transform risk reporting to provide strategic insights into the credit portfolio, and to identify emerging risk trends with the Wealth Wholesale portfolio. Redesign and enhance existing risk reports.

Coordinate timelines and workflows with Risk Reporting team to ensure timely delivery of recurring reports. Lead activities related to Enterprise Risk Management, including Risk Appetite Statement, Risk Appetite Assessment, and Risk Appetite Limits. A telecommuting/hybrid work schedule may be permitted within a commutable distance from the worksite, in accordance with Citi policies and protocols.

Requires a Master’s degree, or foreign equivalent, in Business Administration, Finance, Economics or related field and 8 years of experience as a Credit Portfolio Officer, Credit Risk Senior Officer, Country Risk Senior Officer, Management Reporting Senior Analyst, Equity Research Analyst, Program Head or related position involving project management. Alternatively, employer will accept a Bachelor’s degree in the stated fields and 10 years of progressively responsible, post‑baccalaureate experience in the stated positions.

Two years of experience must include:
Credit risk assessment, monitoring and reporting for a global financial services institution;
Various Credit Risk Models including Risk Rating models, stress loss models, and ECL (Expected Credit Loss) models including IFRS9, CECL;
Credit risk concepts, including probability of default (PD), loss given default (LGD), and exposure at default (EAD), to enhance risk models and methodologies;
Credit analysis and developing Credit Risk Policies and Procedures;
Statistical, qualitative and quantitative analytical skills including regression analysis;
Financial Modeling, Financial Statement Forecasting, Macroeconomics;
Technologies including Tableau;
Enterprise Risk Management;
Ad‑hoc reporting for senior management; and Leading risk reporting initiatives.

Wage Range: $173,700 to $173,700.

Primary

Location:

Irving, Texas, United States.

Time Type:
Full time.

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.

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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Jun 08, 2026