The Credit Portfolio Senior Officer I is a senior-level position responsible for leading activities including credit review, credit approvals and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to client and counterparties globally.

Responsibilities:

• Lead key business projects and the implementation of initiatives related to policy governance and manage policy exceptions/approvals and entries
• Focus on process improvement and creating efficiencies by ensuring an effective approach and partnership with Audit management and apply consumer risk function knowledge (e.g., scoring and segmentation techniques and their uses)
• Conduct gap analyses and remediation work of any misalignments for policy changes
• Ensure test and significant credit changes are adequately reported and tracked and Peak Ending Net Receivables (ENRs) are adequately approved and stored systemically
• Provide regular feedback on all initiatives, tracking, reviews and reporting emerging trends and opportunities to senior management
• Establish cross-functional partnerships and networks to contribute to and execute cross-functional and business initiatives, such as developing/maintaining infrastructure through partnership with the Centralized Risk Infrastructure team
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
• Review and approve credit proposals up to his/her credit limit or suggest for senior approval’s further approval if above his/her cover limit. Oversight the post approval monitoring. Early recognize problem accounts and take appropriate action
• Handle other credit related jobs as assigned by Approval Team Head and/or Risk Head – Commercial Relationship Banking.

Qualifications:

• 10+ years of experience in credit risk management or equivalent training and experience preferably in the financial services industry, Experience with MME/Local Corporate in China is a plus
• Consistently demonstrate clear and concise written and verbal communication
• Demonstrated ability to view data holistically and remain detail oriented to synthesize, prioritize and deliver results with urgency
• Demonstrated interpersonal, organizational, analytical, presentation, facilitation, negotiation and strategic skills
• Good written and spoken English external audiences
• Demonstrated work ethic and influencing skills
• Strong risk assessment skills, including problem recognition, defining and structuring of solutions, and promptly raising issues to appropriate senior level
• Strong analytical skills in processing the financial and business information and reasonable credit writing ability
• Good knowledge of the market, customer’s requirement and general banking products, and reasonably good understanding of SAFE/CBRC/PBOC’s regulations and different manufacturing/trade patterns
• Able to work under pressure
• Better with geographic mobility in China

Education:

• Bachelor's degree/University degree or equivalent experience
• Master's degree preferred

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Grade :All Job Level - All Job FunctionsAll Job Level - All Job Functions - CN

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Time Type :Full time

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Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

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