Credit Officer - AVP

Job d:

Location:

O'Fallon, Missouri, United States Salary: $90,080.00 - $Category:
Risk Management, Wealth Company:
Citi The AVP Credit Officer is a seasoned professional role that applies in-depth disciplinary knowledge and judgment to mitigate risk and operate within established guidelines. The role collaborates closely with Operations, providing specialized credit and project review expertise that supports sound decision-making throughout the loan lifecycle.

Requires a strong understanding of how individual areas integrate within the broader sub-function and contributes to the objectives of the function and overall business.

Evaluates complex and variable issues with potentially significant impact, requiring the ability to assess multiple sources of information, weigh alternatives, and balance competing considerations. Strong analytical skills are essential to evaluate, prioritize, and validate complex and evolving information and determine appropriate courses of action. Effective communication, collaboration, and diplomacy skills are also required.

Key Responsibilities Project Approval:
Serve as a Condo/Co-op Project Review Analyst in the project approval process, applying sound credit judgment and established eligibility requirements.

Initiatives:
Participate in the development, implementation, and ongoing support of Condo/Co-op initiatives.

Financials and Budget Analysis:
Conduct financial analysis and develop position papers and recommendations as needed.

Document Review:
Review and analyze condominium and co-op documentation to determine project eligibility and salability.

Guidance & Support:
Provide technical expertise, guidance, and support to business partners across all channels regarding Condo/Co-op project approvals and requirements.

Cross-Functional Collaboration:

Partner with Operations and other key stakeholders to support effective execution throughout the loan lifecycle and address project-related issues as they arise.

Tracking & Reporting:
Maintain accurate records and databases of reviewed projects and associated decisions.

Ad Hoc Support:
Participate in special projects and other business initiatives as needed.

Qualifications & Skills Industry

Experience:

Minimum of 4–6 years of mortgage industry experience. Credit underwriting and/or processing experience preferred;
Condo/Co-op project review knowledge is a plus.

Credit & Analytical Judgment:
Ability to apply credit knowledge, analytical judgment, and established guidelines to evaluate project eligibility and identify potential risk.

Problem Solving & Critical Thinking:
Strong problem-solving and critical-thinking skills, with the ability to evaluate alternatives, articulate the rationale behind decisions, and appropriately prioritize responsibilities.

Communication &

Collaboration:

Strong written and verbal communication and interpersonal skills, with the ability to communicate clearly and collaborate effectively with business partners and stakeholders.

Technical

Skills:

Proficiency with Microsoft Office applications, including PowerPoint, Access, and Excel.

Quality & Accuracy:
Demonstrated ability to maintain a high degree of accuracy and attention to detail while effectively managing multiple priorities and deadlines.

Education Bachelor’s/University degree or equivalent experience.

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Risk Management------------------------------------------------------Job Family:

Credit Risk------------------------------------------------------Time Type:

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Location:

Ofallon Missouri United States------------------------------------------------------Primary Location Full Time Salary Range:$90,080.00 - $In addition to salary,…