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Citi Group Credit Portfolio Officer-Hybrid 
United States, Georgia 
795787131

11.03.2025

Responsibilities:


• Ensure work performed is in accordance with all policies, procedures and audit standards. Modify procedures and train staff as needed.
• Analyze various industries and have a thorough knowledge of the risks associated with those industries
• Effectively communicate with all bank customers, borrowers, and guarantors. Implement loan structure, terms and conditions with regard to a variety of loan and borrower situations.
• Support colleagues in sales, credit, and loan operations roles with adhering to processing and documentation guidelines for loan requests.
• Prepare detailed written credit memos that summarize results of financial and credit analysis including identification of strengths, prevailing risk factors, and recommendation
• Ensure appropriateness of Risk Ratings and facility Classifications during the Annual Review process and/or at time of Originations
• Ensure data capture associated with approved extensions of credit are accurate.
• Ensure compliance with credit policies and procedures and applicable law and regulatory requirements and achieve satisfactory ratings from internal and external auditors.
• Support business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels.
• Build a solid understanding of Citibank products and services within Retail Business Banking.
• Coordinate with bankers on customer calls and site visits, when appropriate.
• Project participation as needed.


Qualifications:


• Bachelor's degree in Finance or Accounting, or equivalent experience.
• Minimum 5 years working in a financial institution performing commercial credit analysis in an underwriting and/or portfolio management role
• Expertise in underwriting business working capital lines, term loans and real estate transactions with Small Business Administration (SBA) and Healthcare experience also preferred, but not required
• Prior experience working in a regulatory and compliance policy environment

• 6-10 years of experience in credit card risk management or equivalent training and experience preferably in the financial services industry

• Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry and competitive analysis and projections
• Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
• Strong ability to assess risks and make decisions using sound judgment
• Excellent organizational skills, strong multi-tasking capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
• Strong inter-personal and written / verbal communication skills
• Strong problem recognition and resolution skills
• Ability to evaluate, negotiate structure and/or monitor extensions of credit.
• Pro-active disposition with ability to work independently and within a team
• Proficient in various spreadsheet and word processing applications (Excel and Word), PowerPoint, and financial analysis software

Risk ManagementPortfolio Credit Risk Management

Full timeAtlanta Georgia United States$107,120.00 - $160,680.00


Anticipated Posting Close Date:

Mar 05, 2025

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