The Credit Risk Officer is a strategic professional who stays abreast of developments within own field and contributes to directional strategy by considering their application in own job and the business. Recognized technical authority for an area within the business. Requires basic commercial awareness. There are typically multiple people within the business that provide the same level of subject matter expertise. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Significant impact on the area through complex deliverables. Provides advice and counsel related to the technology or operations of the business. Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.

Responsibilities:

• Assess quality of assigned portfolios, including identification and evaluation of emerging risks

• Assess effectiveness of the credit risk processes and standards of assigned entities to promote leading practices and identify opportunities for improvements

• Review and assess the appropriateness, completeness and usage trends of the credit risk components of the Risk Appetite framework for the assigned portfolios

• Provide autonomous assessment of the accuracy and appropriateness of risk ratings and classifications of the assigned portfolios

• Assess business/risk staffing models to ensure appropriate resources for assigned entities

• Ensure that Corrective Action Plans for assigned businesses are appropriate, monitored and duly validated addressing concerns resulting from Fundamental Credit Risk Reviews or Business Monitoring.

• Ensure that Fundamental Credit Risk documents including the Credit Assessment Documents and the Fundamental Credit Review Reports meet quality and consistency standards

• Keep Fundamental Credit Risk senior management informed of any concerns and/or emerging risks that may jeopardize their Review Entities.

• Significant impact on the area through complex deliverables.

• Provides advice and counsel related to the technology or operations of the business.

• Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.

• Typically deals with complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting needs.

• Demonstrate Quality Assurance activities as Subject Matter Expert

• 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.

Qualifications:

• Relevant years relevant experience

• Requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources.

• Exercises wide degree of latitude and discretion.

Education:

• Bachelor’s/University degree, Master’s degree preferred

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.