Credit Officer Second Line of Defense - Wealth

Wealth brings together the full power of Citi to serve the entire continuum of clients, from affluent to ultra-high net worth to family offices. Through our three business lines — Citigold, Citi Private Bank and Wealth at Work — we work with clients to build their wealth through expert investments insights and solutions and our deposits and lending platforms. The Wealth Credit Portfolio Officer is a second line of defense role responsible for leading key credit risk activities for the Americas cluster credit portfolios including credit review and approvals, portfolio monitoring, product program oversight, and related risk governance and support activities. The ideal candidate will have prior credit risk experience, provide credible challenge, be eager to learn and grow within the organization, be able to problem solve, lead projects, engage with cross-functional teams, and thrive in a fast-paced environment.

Key Responsibilities

• Engage with Wealth Business to understand credit requests, perform review and credible challenge, and provide recommendation for credit approvals.
• Lead portfolio monitoring activities in the Americas cluster, including ongoing review of key risk metrics, understanding drivers, identifying trends and data quality issues, and engaging with various groups responsible for remediation.
• Operate under the risk governance framework, adhering to policies and standards applicable to Wealth when performing the job function and provide subject matter expertise to first line of defense.
• Possess subject matter expertise in the flow of credit data attributes in downstream credit and reporting systems and use knowledge to drive change.
• Provide financial analysis, risk assessment and analytical support for specific projects across Wealth Risk Americas and globally.
• Conduct regional activities including Wealth Risk capacity assessment, maintain and provide training on regional guidelines, among others.
• Assist with ad-hoc Senior Management needs, including data aggregation and presentations.
• Work in partnership with the Business, while maintaining an independent and holistic risk perspective of the assigned portfolio.

Key Qualifications

• 6-10 years of relevant credit risk experience with prior experience in either underwriting, independent risk management or similar functions
• BS or equivalent degree in a quantitative or financial discipline
• Experience with independent management of processes or projects
• Experience with interacting with senior management, regulators, internal and external audit
• Advanced knowledge of Excel, knowledge of Tableau would be a plus
• Proven knowledge of credit risk measures and basic accounting would be a plus
• Ability to analyze data and present conclusions
• Excellent communication, presentation and writing skills
• Proven ability to apply credit and risk principles toward business goals
• Demonstrated ability to prioritize and remain organized in a fast-paced environment
• Good team player and excellent work ethics
• Proven organizational & interpersonal skills

Development Value

• Develop as a credit officer in the Wealth Risk organization
• Opportunities to participate in strategic initiatives with high impact to overall Business
• Learn and provide oversight of the Wealth Lending Products offered in Wealth
• Substantial exposure to Senior Management across the Wealth Risk and Business organizations
• Improved leadership, communication, and project management skills

Education

• Bachelor's/University degree or equivalent experience

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Job Family Group:

Risk Management

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Job Family:

Credit Risk

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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:

$117 440,00 - $176 160,00

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, Credible Challenge, Financial Analysis, Governance, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

mar 09, 2026

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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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