Credit Review Officer

Citi; New York (NY); Híbrido; USD 46 000 - 77 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Cafeteria Program

Home Office Allowance

Private Medical Care Program

Pension Plan Contribution

Group Life Insurance

Employee Assistance Program

Learning & Development programs (Udemy

Degreed access

Flexible work arrangements

Career progression across geographies

Resumo da oferta

Citi Hungary is seeking a Credit Review Officer to independently manage CRR reviews and data-driven risk assessments across Citigroup entities. The role emphasizes rigorous credit risk evaluation, portfolio quality reviews, and the use of AI-enabled tools to enhance analysis while maintaining strong governance and stakeholder communications.

The position requires 8+ years in banking/finance with English fluency, a relevant degree, and willingness to travel up to 25%.

Qualificações

• Minimum 8 years of relevant professional experience in Banking, Finance, Accounting, Economics, or Business required.
• Fluency in English with strong analytical skills and communication abilities.
• Bachelor’s/University degree; Master’s degree preferred.

Responsabilidades

• Assess the effectiveness of credit risk management at Citi and the ability to identify, monitor and mitigate current and emerging credit risks across Citigroup and Citibank.
• Lead CRR Wholesale Review Entities through quarterly Business Monitoring and periodic Reviews, leveraging AI tools for data extraction and analysis.
• Assess the quality of assigned portfolios and relationships, including identification and evaluation of emerging risks.
• Evaluate the quality and adequacy of credit analysis and exposure analysis as well as risk ratings and classifications for corporate, commercial and high-net-worth relationships.
• Assess the effectiveness of the credit risk processes and standards of the assigned Review Entity to promote leading practices and identify opportunities for improvements.
• Assess staffing levels to determine effects on the Review Entity and ensure alignment with risk appetite.
• Prepare Credit Assessment Documents with AI-assisted drafting support and cross-checks for consistency.
• Evaluate Corrective Action Plans and validate their effectiveness after implementation by the Business.
• Maintain accountability for the quality and consistency of work products such as CRR reports and sample rationale documents.
• Assist CRR Wholesale Team Managers and Head of CRR Wholesale on regional/global tasks.
• Communicate concerns and emerging risks to Credit Review Team Managers and CRR Wholesale Senior Management.
• Travel up to 25%.

Conhecimentos

Analytical Thinking

Credible Challenge

Financial Analysis

Governance

Policy

Procedure

Regulation

Risk Management Lifecycle

Formação académica

Bachelor's degree

Master's degree preferred

Ferramentas

Microsoft Office

AI-enabled tools

Descrição da oferta de emprego

Credit Review Officer

Job Req Id:

261001432

Location(s):

Budapest, Budapest, Hungary

Job Type:

Hybrid

Posted:

Oct. 13, 2026

Discover your future at Citi

Working at Citi is far more than just a job. A career with us means joining a team of approximately 219,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

Credit Risk Review (CRR) provides independent, objective, reliable, valued and timely assurance over the effectiveness of credit risk management to identify, monitor and mitigate current and emerging risks across Citibank.

CRR provides independent, objective, reliable, valued and timely assurance to the Boards, the Committees, the Citigroup Chief Risk Officer (“Citigroup CRO”), Citibank CRO, senior management and regulators over the effectiveness of credit risk management and the ability of the Business and independent Risk Management to identify, monitor and mitigate current and emerging risks across Citigroup and Citibank.

The Senior Lead Reviewer is responsible for independently managing all aspects of his or her assigned Review Entity. Responsibilities include execution of Business Monitoring and Reviews in accordance with the CRR Manual, monitoring and evaluation of portfolios, strategies, and credit risks, assessment of the effectiveness of credit risk management of assigned businesses, proposal of pragmatic solutions to risk and control issues, and maintaining ongoing contact with a Review Entity’s management through continuous Business Monitoring and corrective action follow-up where applicable.

The role also incorporates the effective use of Citi‑approved AI‑enabled tools to enhance analytical depth, streamline review execution, and strengthen trend identification while maintaining full reviewer judgment.

What you’ll do:

• Assess the effectiveness of credit risk management at Citi and the ability of the Business and Independent Risk to identify, monitor and mitigate current and emerging credit risks across Citigroup and Citibank
• Manage CRR Wholesale Review Entities through quarterly Business Monitoring and periodic Reviews leveraging AI tools to support data extraction, thematic analysis, and risk identification where appropriate
• Assess the quality of assigned portfolios and relationships, including identification and evaluation of emerging risks
• Assess the quality and adequacy of credit analysis and exposure analysis as well as accuracy and appropriateness of risk ratings and classifications of corporate, commercial and high-net worth relationships
• Assess the effectiveness of the credit risk processes and standards of assigned Review Entity to promote leading practices and identify opportunities for improvements
• Assess Business and Risk staffing levels to determine the effects on assigned Review Entity
• Prepare Credit Assessment Documents in accordance with and at the quality standards required by the CRR Manual and Review Guides, incorporating AI tools as appropriate for drafting support, document comparison, and consistency checks
• Evaluate the appropriateness of Corrective Action Plans resulting from Reviews or Business Monitoring, and subsequent validation of the effectiveness of the same after implementation by the Business
• Maintain accountability for the quality and consistency of work products that include Credit Assessment Documents, Sample Rationale Documents, and CRR Wholesale Review Reports created for the assigned Review Entity
• Assist CRR Wholesale Team Managers, Segment Heads, and Head of CRR Wholesale on regional and/or global tasks
• Communicate concerns and/or emerging risks that may impact the assigned Review Entity to Credit Review Team Managers and CRR Wholesale Senior Management
• Appropriately assess risk in business decisions, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, and internal policies, exercising sound ethical judgment regarding personal behavior, conduct and business practices, and transparently escalating, managing and reporting control issues.
• Travel requirement - 25% of the time

What we’ll need from you:

• Minimum 8 years of relevant professional experience in Banking, Finance, Accounting, Economics, or Business required.
• Administration or similar with Credit or financial statement analysis experience
• Strong analytical skills, with the ability to identify root causes and trends and anticipate horizon issues
• Fully conversant in credit policy matters
• Good knowledge of capital markets products, including derivatives
• Ability to recognize emerging risks, including operational risk
• Expert in risk analysis and risk management processes for one or more products and lending areas
• Developed project management skills
• Proficient in Microsoft Office (Word, Excel, and PowerPoint) and comfortable using AI‑enabled productivity and analytics tools consistent with Citi’s policies
• Strong interpersonal skills with ability to build and maintain relationships and exert influence without direct authority
• Strong written and verbal communication skills, with the ability to communicate clearly and concisely with audiences of varying levels of seniority
• Regulatory experience or relevant experience in a similar role at another institution is desirable
• Fluency in both written and verbal English
• Knowledge of Citi's organization and systems preferred
• Bachelor’s/University degree, Master’s degree preferred.

What we can offer you:

By joining Citi Hungary, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive compensation package and enjoy a whole host of additional benefits that support you (and your family) to be well, live well and save well:

• Cafeteria Program
• Home Office Allowance (for colleagues working in hybrid work models)
• Paid Parental Leave Program (maternity and paternity leave)
• Private Medical Care Program and onsite medical rooms at our offices
• Pension Plan Contribution to voluntary pension fund
• Group Life Insurance
• Employee Assistance Program
• Access to a wide variety of learning and development programs, online course libraries and upskilling platforms, such as Udemy and Degreed
• Flexible work arrangements to support you in managing work - life balance
• Career progression opportunities across geographies and business lines
• Socially active employee communities with diverse networking opportunities

Alongside these benefits Citi is committed to ensuring our workplace is where everyone feels comfortable coming to work as their whole self every day. We want the best talent around the world to be energized to join us, motivated to stay, and empowered to thrive.

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.

Job Family Group:

Risk Management

Job Family:

Credit Review Risk Management

Time Type:

Full time

Primary Location Full Time Salary Range:

14 768 850,00 Ft - 24 762 350,00 Ft

Most Relevant Skills

• Analytical Thinking
• Credible Challenge
• Financial Analysis
• Governance
• Policy
• Procedure
• and Regulation
• Risk Management Lifecycle