Credit Portfolio Officer

Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At **Citi**, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism.

**Shape your Career with Citi**

**Citi Global Wealth (CGW)**brings together the full power of Citi to serve the entire continuum of wealth clients, from affluent to ultra-high net worth to family offices. The strategies we create help our clients maintain liquidity while maximizing yields, transact in foreign currency and across borders, and manage fluctuating expenses or cash flow. We are uniquely suited to helping our clients meet their banking needs across regions through our global network.

**Citibank** serves as a trusted advisor to our retail, mortgage, small business and wealth management clients at every stage of their financial journey. Through Citi's Access Account, Basic Banking, Citi Priority, Citigold and Citigold Private Client, we offer an array of products, services and digital capabilities to clients across the full spectrum of consumer banking needs worldwide. We’re currently looking for a high caliber professional to join our team as **Vice President, Credit Portfolio Officer - Hybrid** based in **Singapore**. Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future.

The Credit Portfolio Officer 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**:

- Develop framework for portfolio risk assessment including evaluation of credit and financial performance across varied lending products and industry segments
- Understand applicable credit policies, industry regulations and the requisite impact of those governance items to prospective new partners or product initiatives
- Establish and leverage cross-functional partnerships and network with key internal and external constituencies
- Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, forecasting and new program due diligence
- Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity
- Has the ability to operate with a limited level of direct supervision.
- Can exercise independence of judgement and autonomy.
- Acts as SME to senior stakeholders and /or other team members.

**Qualifications**:

- 6-10 years of experience in credit card risk management or equivalent training and experience preferably in the financial services industry
- Demonstrated ability to synthesize and prioritize
- Proven ability to remain organized in a fast-paced environment
- Demonstrated interpersonal, organizational and analytic skills

**Education**:

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

**VP - Investment Lending Risk Management - Credit Portfolio Officer** supports the Investment secured Portfolio for Asia South Wealth Business (across Onshore & IPB). Singapore CGCPC Investment lending portfolio is the largest internationally and covers both GML (Margin/Investment Lending) and Insurance Premium Finance products.

This risk role is primarily responsible for managing Risk & Control aspects around Collateral review, mark to market and Policy adherence. The role involves regular interaction with Sales/Relationship Manager, Business heads, Credit Operations, Operations and Technology functions, Regional/Global Risk

management including Co-ordination with One Citi Credit Risk functions in Private Banking Business.

The position reports to Investment Lending Risk Head, Singapore in Citibank Singapore Ltd - Asia South (Wealth) Risk Management team.

**Key Responsibilities Include**:

- Provide support to Investment Risk manager on Credit Policy & Collateral Management - Portfolio management, Program and Procedure review / renewals, policy related action, Credit Policy compliance, working with all stakeholders to ensure Risk policies are adhered to with appropriate controls.
- Drive strategic initiatives and new product launches impacting Investment Secured Lending product (Margin Lending and Insurance Premium Financing).
- Review, identify risk mitigates and manage lendin