Credit Portfolio Officer

Citigroup Inc.; Irving (TX); Hybrid; USD 163,000 - 172,000; Full time

Benefits offered by this job

Benefits package

Paid time off

Job summary

Citigroup Inc. is seeking a skilled Credit Portfolio Officer in Irving, Texas to lead quantitative analysis and data-driven credit risk initiatives for the US residential real estate line.

You will drive loss recognition strategies, leverage SAS/SQL/Python for modeling and partner with risk, policy, mortgage servicing, and finance teams to optimize portfolio profitability. The role emphasizes cross-functional collaboration, adherence to policy, and driving performance within the firm’s risk

Qualifications

• Bachelor's degree in Analytics, Engineering (any), or related field.
• 6+ years of progressive experience in risk/credit analysis within mortgage or real estate.
• Proficient in SAS, SQL, Python and risk modeling practices.

Responsibilities

• Perform quantitative analysis for loss recognition in US residential real estate.
• Lead data-driven credit risk initiatives and loss mitigation strategies.
• Develop portfolio management strategies across loan default lifecycle.
• Collaborate with risk, policy, mortgage servicing, finance and controls teams.

Skills

Quantitative analysis

Credit risk management

Data analytics

Cross-functional collaboration

Education

Bachelor's degree in Analytics/Engineering

Tools

SAS

SQL

Python

Job description

Position Overview

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

Benefits

• 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.

Skills

• Wholesale Lending Operations Management.

Other Skills

For complementary skills, please see above and/or contact the recruiter.

Job Close Date

Dec 11, 2026

Equal Opportunity Statement

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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