Credit Portf Senior Officer

Citigroup Inc.; Tampa (FL); Hybrid; USD 166,000; Full time

Job summary

A major financial institution is seeking a Credit Portfolio Senior Officer in Tampa, Florida. This role involves analyzing credit profiles and overseeing trade transactions within the LATAM region. The ideal candidate will have extensive experience in credit risk analysis and a relevant degree. The position offers a salary of approximately $165,051.5 along with a comprehensive benefits package including healthcare and retirement plans.

Benefits

Medical, dental & vision coverage

401(k)

Paid time off packages

Qualifications

• 5 years of experience in credit risk analysis in LATAM.
• Experience with Trade and Working Capital Loans.
• Capability to monitor credit ratings downgrades.

Responsibilities

• Review and approve trade transactions in LATAM.
• Analyze client credit profiles and risk ratings.
• Lead TTS Risk projects and policy governance initiatives.

Skills

Credit risk analysis

Financial statement analysis

Knowledge of LATAM market

CECL methodology

Monitoring risk ratings

Education

Master’s degree in Business Administration, Accounting, or Economics

Bachelor’s degree in a relevant field

Job description

Overview

Citibank, N.A. seeks a Credit Portfolio Senior Officer for its Tampa, Florida location.

Responsibilities

• Review and approve trade and working capital solutions transactions in Latin America (LATAM) that are within the Global Deal Review (GDR) and Cluster Deal Review (CDR) scope.
• Analyze the client’s credit profile, including risk rating and classifications; assess compliance with Product Guidelines (PG); evaluate exceptions and mitigants.
• Lead key Global Treasury and Trade Solutions (TTS) Risk projects and implement initiatives related to policy governance.
• Review and challenge portions of the Trade portfolio with Underwriting Terms (UT) and PG exceptions that are below thresholds for TTS Risk approval.
• Analyze the accuracy of TTS Trade Cost of Credit (CoC) and Allowance for Credit Losses (ACL); act as the TTS Risk Subject Matter Expert (SME) for CoC.
• Identify clients generating large ACL amounts and assess reasonability under the Trade Current Expected Credit Losses (CECL) models; detect inconsistencies in CoC allocated to Trade and coordinate CoC adjustments with CECL Risk and Finance teams.
• Review and approve deals for the Social Finance (SF) framework, which are guaranteed by multilateral agencies.
• Analyze trade portfolio trends, detect data quality issues, and coordinate with data quality teams for correction.
• Obtain detailed information on each facility, identify authorized products, maximum tenor, tenor sub-limits, and support from parent or other entities.
• Review credit approval documents including annual reviews, financials, and credit ratings rationale.
• Monitor credit ratings downgrades to specific clients and assess if risk mitigating actions are needed for the Trade portfolio.
• Review new products, initiatives, renewals of existing Product Programs (PAP), and Local Country Addendum (LCA); assess proposed deviations from global standards to ensure risk is acceptable and request mitigating controls as needed.
• Prepare CoC and ACL presentations for TTS and TTS Risk Senior Management; identify cases that meet escalation thresholds for TTS Risk Head approval and prepare approval recommendation.
• A telecommuting/hybrid work schedule may be permitted within a commutable distance from the worksite, in accordance with Citi policies and protocols.

Requirements

• Requires a Master’s degree, or foreign equivalent, in Business Administration, Accounting, Economics or related field and 5 years of experience as a Credit Portfolio Senior Officer, Credit & Portfolio Risk Manager, Operations & Control Manager, Compliance Manager, or related position involving credit risk analysis of financial transactions and financial products in the LATAM market.
• Alternatively, employer will accept a Bachelor’s degree in the stated fields and 7 years of the specified progressive post-baccalaureate experience.
• 4 years of experience must include: credit risk analysis of financial transactions and financial products in the LATAM market; financial statement analysis including capital structures and repayment priority in distressed scenarios; financial products including Trade and Working Capital Loans, Core Trade, Receivables Finance, and Payables Finance; CECL methodology and Trade and Working Capital Solutions models including ACL review; credit analysis of Social Finance (SF) transactions including guarantees provided by multilateral agencies; monitoring and analyzing trends in risk ratings, classifications, countries, and industries to identify credit deterioration; assessing reasonability of CoC and ACL; identifying data quality issues and coordinating data correction; utilizing credit reporting systems; generating tailored reports for specific risks; portfolio management including assessing risks and implementing risk mitigation controls; reviewing PG and UT exceptions; reviewing PAP and LCA and coordinating changes needed for approval; and completing global Corrective Action Plan (CAP) related to Risk processes, substantiating global CAP completion for auditors.
• Applicants submit resumes at the Citi jobs site; please reference Job ID #25891407.
• EO Employer.

Wage and Benefits

Wage Range: $165,051.5 to $165,051.5

In addition to salary, Citi’s offerings may also include 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.

Other

Most Relevant Skills: Please see the requirements listed above.

Other Relevant Skills: For complementary skills, please see above and/or contact the recruiter.

Anticipated Posting Close Date

Sep 16, 2025

Equal Opportunity

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.