Credit Portfolio Officer

Citi; Irving (TX); On-site; USD 163,000 - 172,000; Full time

Benefits offered by this job

Medical, dental & vision coverage

401(k)

Paid time off (PTO)

Wellness programs

Job summary

Citi in Irving, Texas seeks a Credit Portfolio Officer to perform quantitative analysis and consumer credit management for loss recognition in the US residential real estate line. You will lead data-driven credit risk initiatives, develop loss mitigation strategies, and monitor portfolio performance to maximize profitability while ensuring policy compliance.

The role requires a Bachelor's degree and 6 years of relevant experience with SAS/SQL/Python, analyzing data quality and driving governance

Qualifications

• Bachelor’s degree in Analytics, Engineering (any) or related field.
• 6 years of progressively responsible experience in risk/credit analysis for residential real estate.
• Experience developing quantitative frameworks for credit risk management and loss mitigation.

Responsibilities

• Perform quantitative analysis and consumer credit management for loss recognition in US residential real estate.
• Lead development and implementation of data-driven credit risk initiatives, including early default and loss mitigation strategies.
• Develop credit portfolio management strategies across loan default lifecycle using data analytics and business rules.
• Prepare risk management presentations for senior management with analytics on expected portfolio performance.

Skills

Wholesale lending operations

Credit risk analysis

Data analytics

Education

Bachelor’s degree

Tools

SAS

SQL

Python

Job description

Citibank, N.A. seeks a Credit Portfolio Officer for its Irving, Texas location.

Duties: Perform quantitative analysis and consumer credit management for loss recognition, specifically within the US residential real estate line of business. Lead the strategic development and implementation of data-driven credit risk initiatives, early default and loss mitigation strategies, ensuring adherence to policy, balancing risk and reward, maximizing profitability, and minimizing portfolio losses, while continuously analyzing performance and ensuring compliance with the firm’s requirements. Develop credit portfolio management strategies across loan default lifecycle leveraging data analytics inclusive of models, on-us/off-us data, and business rules. Apply a broad knowledge of applicable credit policies, industry regulations and the requisite impact of those governance items to mortgage servicing and loss mitigation initiatives. Analyze and review the current data quality and infrastructure being used for loss mitigation programs for accuracy and recommend appropriate measures to improve data quality. Work closely with and establish cross-functional partnerships and networks with independent risk management and policy team and stakeholders in mortgage-servicing, finance, controls, legal & compliance areas, supporting both US Personal Banking and Wealth divisions on an expansive set of portfolio objectives. Support US residential real estate line of business divisions to deliver performance aligned with the risk-appetite framework. Use analytical techniques to monitor execution of loan loss recognition activities. Utilize SAS to perform risk, financial and data analyses including profiling, sampling, segmentation, and provide analysis against forecasted performance metrics for new and existing loss mitigation treatment options influencing strategic business decisions. Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity. Develop, track and report key initiatives, performance results, emerging trends by analyzing and identifying risks, ensuring appropriate escalation and communication is provided to senior leadership. Implement loss mitigation strategies per policy guidelines. Utilize analytical tools such as SAS, SQL or Python, to develop data driven insights with regards to loss mitigation strategies and initiatives. Develop and manage a complex, critical, multi-disciplinary servicing risk management functional area of responsibility. Utilize internal credit risk statistical models driving business decisions ensuring loss mitigation strategy performance. A telecommuting/hybrid work schedule may be permitted within a commutable distance from the worksite, in accordance with Citi policies and protocols.

Requirements: Requires a Bachelor’s degree, or foreign equivalent, in Analytics, Engineering (any), or related field and 6 years of progressively responsible, post-baccalaureate experience as a Risk Analyst, Data/Information Analyst or related position performing portfolio risk and credit assessment across customer segments within the residential real estate industry, including residential mortgage lending and home-equity products. 6 years of experience must include: Developing quantitative frameworks and data analytics for credit risk management, including data collection, segmentation analysis, sensitivity testing, business rules documentation, model documentation, and production implementation; Supporting regulatory submissions, including risk appetite frameworks and stress testing exercises including CCAR; Developing Loss Mitigation and Credit portfolio management strategies across loan default lifecycle; Profiling, statistical sampling, and dynamic segmentation; SAS, SQL, Python; Preparing risk management presentations for senior management; Risk management and optimization for credit portfolios; and Utilizing credit risk statistical models to drive business decisions, forecast loss mitigation outcomes, and ensure portfolio profitability.

Wage Range: $163,000 to $172,000

Job Family Group: Risk Management

Job Family: Portfolio Credit Risk Management

Time Type: Full time

Primary Location: Irving Texas United States

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. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

Most Relevant Skills

Wholesale Lending Operations Management.

Other Relevant Skills

For complementary skills, please see above.

Anticipated Posting Close Date

Dec 11, 2026

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. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.