Discover your future at Citi

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Job Overview

The Senior Portfolio Credit Risk Manager is a senior management-level position responsible for managing a Citi Global Wealth credit portfolio within an assigned geographic scope through the management of a team. Such individual must have strong commercial awareness and is an acknowledged authority both within and outside area of expertise. Requires in-depth understanding of how own function contributes to achieving the objectives of the broader business within the defined risk appetite of the firm. Requires thorough understanding of strategic direction of the function within the relevant part of the business, combined with a solid conceptual/practical grounding in both the function and/or area of expertise. Excellent communication skills required in order to negotiate and influence, often at a senior level. Some external communication/negotiation may be necessary. Accountable for end results and contribution to deployment of risk strategy within scope of coverage as applicable. This may entail management responsibility of a team(s) of credit risk officers, including management of people, budget and planning, to include duties such as performance evaluation, compensation, hiring, disciplinary actions and terminations and budget approval. May be involved or responsible for diverse (cross-discipline) activities and/or ad-hoc projects as deemed needed in the area, business or broader institution. Typically, a direct report to a C16 role and function as an integral member of the functional leadership team within a country/site location, sub region, job family, or line of business.

Responsibilities:

Lead a team/organization responsible for risk management activities associated with Citi Global Wealth credit portfolio of the assigned geographic scopeAnalyze credit risk and provide credit recommendations and guidance to senior risk managersApply understanding of inherent credit risks for a range of banking products including lending and capital markets transactionsInteract, review and provide credible challenge to first-line Bankers and Product Specialists on client credit requests; approving as applicable wholesale credit loan / counterparty transactions presented by the business, taking into consideration all aspects of credit decision including applicable policies, quantitative and qualitative factors.Analyze transactions and assist in structuring transactions to contain Citi’s credit risk within acceptable parametersProduce credit and exposure analyses to ensure aggregate risk exposure to customers remains appropriate to credit standingManage regional and other key Risk reviews including assessment of quality of assigned portfolios, product programs including identification and evaluation of emerging risks, effectiveness of control processes and applicable performance metrics.Assess effectiveness of the credit risk processes, product programs and standards of assigned entities to promote leading practices and identify opportunities for improvementsReview and assess the appropriateness, completeness and usage trends of the credit risk components for the assigned portfoliosProvide autonomous assessment of the accuracy and appropriateness of risk ratings and classifications of the assigned portfoliosAssess business/risk staffing models to ensure appropriate resources for assigned entitiesEnsures that corrective action plans for assigned businesses are appropriate, monitored and duly validated addressing concerns resulting from Fundamental Credit Risk reviews.Assist the Regional and/or Global Risk Head on regional and/or global tasks as deemed requiredInfer the diverse opinions of Sr. Management and Regulators to effectively address all issues applicable to area of responsibilityProvide support on assigned tasks related to managing the relationships, expectations and deliverables for outside regulators, ARR, IA, Regulatory reporting, Risk, Finance and Accounting PolicyPartner with the applicable stakeholders to understand the source of the data and continue to improve the process of defining, extracting and utilizing the data applicable to perform the function.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, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.Manages team that deliver a consistent, goal oriented and sophisticated process of credible challenge to corresponding 1st line stakeholders.Identifies credit risks, processes, trends, emerging risks and training needs within the realm of credit underwriting and risk management.Performs other duties and functions as assigned.

Qualifications:

15+ years prior experience in a credit-related, risk management or banking role, in Wealth or Wholesale Risk or business functions.Must have credit background and management experience.Excellent quantitative, analytical, written and verbal presentation skills.Ability to communicate and negotiate effectively.Exercises effective people management skillsDemonstrate advanced analytical skills and the ability to assimilate complex information.Excellent written and oral communication skills as well as presentation skills are required.Ability to operate independently deliver under tight timeframes, manage multiple complex and conflicting activities, adapt to change in a fast -paced environment.Strong background in Risk decisioning across Risk stripes, ability to network, manage conflict with the business, while maintaining a strong working relationship.Strong leadership footprint with prior experience on managing people.Formally credit trained at either Citi or at a reputable financial institution. Self-starter, able to work under time pressure and observe deadlinesVery adaptive to change and capable of operating under stress.

Education:

Bachelor's degree/University degree or equivalent experienceMaster's degree preferred

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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Primary Location:

Fort Lauderdale Florida United States

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Primary Location Full Time Salary Range:

$170,000.00 - $300,000.00

In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers 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.

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Most Relevant Skills

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

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Other Relevant Skills

Credible Challenge, Data Analysis, Laws and Regulations, Management Reporting, Referral and Escalation, Risk Remediation.

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Anticipated Posting Close Date:

Dec 15, 2025

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

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