Vice President - Mortgage Servicing - Credit Risk Analytics - Loss Recognition - Hybrid

Citi; O’Fallon (MO); On-site; USD 115,000 - 172,000; Full time

Benefits offered by this job

Discretionary and formulaic incentive

Medical, dental & vision coverage

401(k)

Life, accident, and disability保险

Wellness programs

Paid time off, vacation and holidays

Job summary

Citi is seeking a VP-level Residential Real Estate Risk - Risk Analytics specialist to oversee loss recognition analytics and controls for US mortgage portfolios. This role drives monitoring, reporting and escalation of risk across Citi's Retail and Wealth divisions.

The candidate will use SAS, SQL, Python or R to extract insights, develop remediation plans and engage with auditors, policy teams and senior leadership.

Qualifications

• Bachelor’s degree in Finance/Accounting or quantitative fields; Statistics, Mathematics, or Engineering preferred.
• 8–12 years of related analytic experience in consumer credit management or finance/accounting for loss recognition in a supervised bank context.
• Residential real estate industry experience highly preferred.
• Proficient in SAS with macro, or SQL/R/Python; UNIX SQL is a plus.

Responsibilities

• Monitor loan loss recognition activities in compliance with Citi policy requirements and supervisory guidelines.
• Analyze credit loss performance trends and identify loss mitigation opportunities throughout the loan life cycle.
• Conduct root cause analyses of auditor or partner concerns and provide corrective recommendations.
• Develop, track and report on initiatives, performance results and emerging trends for senior leadership.
• Use SAS, R, SQL or Python to develop data-driven insights on loss recognition activities.
• Manage audit and control environment, portals, self-assessments, and liaise with auditors.
• Ensure adherence to FFIEC guidelines and policy requirements for write-downs and loss recognition.
• Build cross-functional partnerships to implement loss-mitigation strategies and support cross-functional initiatives.
• Drive compliance with laws and policies and maintain accountability across teams.

Skills

Analytical Thinking

Governance

Policy

Procedure

Portfolio Analysis

Risk Management Lifecycle

Credible Challenge

Escalation Management

Industry Knowledge

Risk Controls and Monitors

Risk Identification and Assessment

Education

Bachelor’s degree in Finance/Accounting or quantitative fields

Advanced degrees

Tools

SAS

R

SQL

Python

Job description

The VP, Residential Real Estate Risk - Risk Analytics -Loss Recognition is responsible for risk analytics, controls and monitoring of mortgage loss recognition activities (FFIEC) for the US residential real estate portfolio. In this role, your will develop and maintain robust controls and monitoring routines for risk oversight of loss recognition activities in compliance with Citi Retail Credit Policy and applicable supervisory guidelines. You will work closely with independent risk management and policy team and stakeholders in mortgage-servicing, finance, controls, supporting both US Personal Banking and Wealth divisions on an expansive set of portfolio objectives to deliver performance aligned with Citi's risk-appetite framework.

Responsibilities

• Use sophisticated analytical techniques to monitor execution of loan loss recognition activities in compliance with Citi policy requirements and applicable supervisory guidelines.

• Monitor credit loss performance trends, understand drivers to incremental credit loss and identify loss mitigation opportunities through the loan life cycle.

• Understand the write-down process. Conduct root cause analyses of any concerns fromauditors or internal partners and provide recommendations to address concerns.

• Develop, track and report on key initiatives, performance results, and emerging trends, analyzing risks, and ensure appropriate escalation and communication is provided to senior leadership.

• Utilize analytical tools such as SAS, R, SQL or Python (SAS preferred), to develop data driven insights with regards to loss recognition activities.

• Manage the audit and control environment, end-user computing portals, audit self-assessments, and interact with internal/external auditors.

• Understand relevant supervisory guidelines, FFIEC guidelines, accounting and credit policy requirements applicable to write-down, write-off, charge-off, loan impairment and loss recognition for a supervised depository institution.

• Establish cross-functional partnerships and networks in order to develop and implement loss-mitigation strategy and support the execution of cross-functional business initiatives.

• Drive compliance with applicable laws, rules and regulations, adhere to Policy, apply sound ethical judgment regarding personal behavior, conduct and business practices, and expedite, manage and report control issues with transparency, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.

Qualifications

• 8-12 years of related analytic experience using quantitative analysis, in a consumer credit management or finance/accounting for loss recognition in a supervised bank context is preferred.

• Experience in the residential real estate (mortgage/home-equity)industry highly preferred.

• Proficiency in writing SAS codes with macro, or proficiency in other data management tools, such as R, SQL or Python (can be trained to use SAS quickly). Experience with SQL programming in a UNIX environment is preferred.

• Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency.

• The successful candidate will have demonstrable analytic, interpersonal and project management skills.

• Ability to work effectively on virtual teams, including across different geographies and time zones preferred.

• Consistently demonstrate clear and concise written and verbal communication.

• Establish solid cross-functional partnerships and networks to contribute and execute cross-functional and business initiatives.

Education

• Bachelor’s degree/University degree. Major in Finance/Accounting or quantitative fields such Statistics, Mathematics, or Engineering preferred.

• Advanced degrees considered a plus.

Job Family Group:

Risk Management

Job Family:

Portfolio Credit Risk Management

Time Type:

Full time

Primary Location:

Irving Texas United States

Primary Location Full Time Salary Range:

$114,720.00 - $172,080.00

• discretionary and formulaic incentive and retention awards
• medical, dental & vision coverage
• 401(k)
• life, accident, and disability insurance
• wellness programs
• 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

Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.

Other Relevant Skills

Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

Anticipated Posting Close Date:

Sep 22, 2026

Automated Processing and AI

We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate’s skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.

Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

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