Product/credit Risk Senior Officer

**OVERVIEW**:
Treasury and Trade Solutions (TTS) provides a range of trade, cash, and commercial card solutions to corporations, financial institutions and public sector organizations around the world. TTS’ global platform is unique in the industry for its global reach and flexibility. Combined with a worldwide network of dedicated and experienced professionals, TTS is well suited to serve clients anywhere they do business.

The TTS Risk Management team consists of a core group of credit and risk professionals who support the business in analyzing and managing risks in order to deliver valuable solutions to clients while maximizing revenues and risk adjusted returns. The team functions out of New York, London, and Singapore and has the support of an analyst team in Mumbai.

The Credit Portfolio Officer supports the TTS Trade senior management in providing oversight over the Trade portfolio in APAC and is accountable for identifying risks and maintaining Citi standards on controls and processes as well as review and challenge on various business initiatives in extending appropriate trade solutions to clients.

**Key Responsibilities**:

- Review and identify material variances in country programs from global product programs and work with product managers in defining controls to align the local requirements with global standards.
- Act as first level reviewer for new product or trade solutions initiatives, identifying potential gaps spanning legal, operations, technology, credit and product features requiring further review.
- Partner with the business in the management of the portfolio to meet risk appetite by participating in portfolio reviews, monitoring downgrades in ratings /classification, and overdue payments.
- Perform deep dive concentration reviews and event-driven analysis, and support senior management in presentations of stress test outcomes.
- Provide approvals for Product RAC exceptions and support TTS Risk in the review and challenge for structured deals submitted to the Global Deal Review Committee.
- Track the Cost of Credit for the Asia Trade portfolio, coordinate with product managers and finance to understand and estimate cost of credit impact of specific transactions.
- Champion a productivity/process enhancement or similar project, engage with product teams and other stakeholders (regional or global) to review various product or process initiatives/ improvements.
- Provide support on Management Control Assessments and similar self-identification of process gaps.
- Handle special projects as may be assigned

**Key Qualifications**:

- 10+ years of relevant experience in a financial institution, preferably in a credit role
- Proactive, detail oriented and analytical
- Ability to exercise, sound, timely and independent judgement
- Self -motivated and able to work independently to effectively produce high quality results
- Excellent written and oral communication and presentation skills
- Understanding of trade products is beneficial
- Education level: Bachelor’s degree or Master’s degree
- **Job Family Group**:
Risk Management
- **Job Family**:
Credit & Portfolio Risk Management
- **Time Type**:
Full time
- Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

View the "**EEO is the Law**" poster. View the **EEO is the Law Supplement**.

View the **EEO Policy Statement**.

View the **Pay Transparency Posting