Talent.com
No longer accepting applications
Credit Portfolio Officer

Credit Portfolio Officer

CitigroupAtlanta, GA, US
30+ days ago
Job type
  • Full-time
Job description

Credit Portfolio Officer

Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you'll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

The Credit Portfolio Officer is a senior-level position responsible for the end-to-end management and continuous validation of all post-implementation processes and ongoing production monitoring for customer-facing credit risk platforms. This role ensures that all credit risk technology solutions, once deployed, perform effectively, and align with both regulatory requirements and business objectives. This person will be responsible for validating model and platform performance, identifying areas for optimization, and ensuring stability, reliability, and scalability of systems in production.

This role requires deep understanding of credit risk systems, customer impact, and technology operations, including post-implementation assessments, operational risk management, and ongoing system monitoring to prevent disruptions and ensure compliance.

Responsibilities

Post-Implementation Validation :

  • Design, perform and oversee the validation of all customer-facing credit risk platforms post-deployment, ensuring that they function as intended, align with business strategies, and meet regulatory requirements.
  • Lead the development and execution of post-implementation validation frameworks, focusing on model performance, rule accuracy, and platform effectiveness across all credit risk decisioning systems.
  • Partner with risk management, IT, and operations teams to assess potential vulnerabilities, gaps, or deficiencies in system performance and address them promptly.

Production Monitoring & Issue Resolution :

  • Establish and manage a robust framework for ongoing production monitoring of credit risk platforms, ensuring proactive identification and resolution of system performance issues.
  • Implement real-time and batch monitoring processes that assess credit risk platforms' operational performance, data integrity, and customer impact across various product lines.
  • Ensure timely resolution of production issues, including the identification of root causes, formulation of solutions, and collaboration with technology teams to implement necessary fixes or enhancements.

    • Customer Impact & Experience :

  • Ensure all customer-facing credit risk platforms perform reliably in production, minimizing any negative impact on the customer experience due to system errors, downtimes, or performance issues.
  • Lead and support initiatives to continuously improve platform stability, reducing risk to customers and ensuring the organization's credit risk models and rules are consistently delivering accurate decisions.
  • Engage with business stakeholders to understand customer needs and expectations, ensuring production systems evolve to meet them efficiently and effectively.

    • Regulatory & Compliance Monitoring :

  • Ensure all post-implementation validation and production monitoring activities meet regulatory and compliance requirements, including alignment with policies related to credit risk, data usage, and customer protection.
  • Develop and maintain documentation and audit trails that demonstrate compliance with regulatory expectations for system validation and ongoing monitoring, particularly in highly regulated environments.
  • Collaborate with internal audit, compliance, and regulatory bodies to provide transparency into the post-implementation performance of credit risk platforms.

    • Risk Management & Control :

  • Lead efforts to enhance the governance and control frameworks for credit risk platforms, with a focus on operational risk management in production environments.
  • Implement ongoing risk assessments to identify and mitigate emerging risks in production systems, ensuring that customer-facing platforms maintain stability and performance standards over time.
  • Collaborate with cross-functional teams to ensure that all risk controls are integrated into the monitoring process and that issues are escalated appropriately.

    • Team Leadership & Collaboration :

  • Foster a culture of collaboration between business, technology, and risk teams to ensure alignment on post-implementation expectations, continuous monitoring needs, and issue resolution processes.
  • Collaborate and mentor team members to excel in operational risk management, monitoring technology platforms, and delivering business-critical insights related to system performance.

    • Technology & Platform Optimization :

  • Work with technology teams to design and implement advanced monitoring tools that provide real-time insights into platform performance and customer impact.
  • Drive continuous platform optimization efforts to enhance system reliability, reduce risk, and improve the accuracy of credit risk models and rules in production.
  • Ensure ongoing performance testing, stress testing, and platform scalability efforts are embedded into the production environment, preventing disruptions and maintaining platform resilience.

    • Qualifications

    Educational Background :

  • Bachelor's degree in information technology, business, risk management, or a related field. Advanced degrees (MBA, MS) and certifications in technology operations, risk management, or project management are preferred.

    • Experience & Leadership :

  • 6-10 years of experience in risk management, technology operations, or production monitoring, with a strong focus on credit risk platforms, model validation, and system performance.
  • Proven track record of leading post-implementation validation and production monitoring efforts for complex customer-facing systems in financial services.
  • Experience in managing operational risk for technology platforms, with a focus on identifying, mitigating, and resolving production issues that impact business and customer outcomes.

    • Operational Risk & Technology Expertise :

  • Deep understanding of credit risk management, technology platforms, and operational risk controls, particularly in the context of post-implementation processes.
  • Expertise in monitoring system performance, diagnosing platform issues, and driving resolutions that prevent operational disruptions and customer impact.
  • Familiarity with modern monitoring tools, risk management frameworks, and production systems used to assess technology performance in real-time (SAS / Tableau / AI)

    • Regulatory & Compliance Knowledge :

  • Strong knowledge of regulatory requirements related to credit risk, data management, and customer-facing platforms, ensuring alignment with post-implementation and monitoring processes.
  • Experience working with internal audit, regulatory bodies, and compliance teams to ensure transparency and adherence to risk and regulatory expectations.

    • Strategic Thinking & Problem Solving :

  • Strong strategic thinker with the ability to anticipate production challenges and operational risks in post-implementation environments, developing robust solutions that enhance system performance.
  • Demonstrated experience in problem-solving complex operational issues, leveraging cross-functional expertise, and driving long-term improvements in production systems.
  • Strong analytical skills in conducting analysis using bureau / application / customer data to identify anomalies and adverse trends

    • Stakeholder Management & Communication :

  • Excellent stakeholder management skills, with the ability to communicate system performance, risks, and monitoring insights to senior leadership, technology teams, and business partners.
  • Strong leadership presence, with the ability to align diverse teams, resolve cross-functional challenges, and ensure effective decision-making related to system performance and customer impact.
  • Proven ability to remain organized in a fast-paced environment
  • Clear and concise written and verbal communication skills
  • Demonstrated accountability, self-motivation and business acumen
    • Create a job alert for this search

    Credit Officer • Atlanta, GA, US

    Related jobs
    • Promoted
    Credit Risk Assessment Consultant Auto Financing

    Credit Risk Assessment Consultant Auto Financing

    SOUMAtlanta, GA, US
    Full-time
    Credit Risk Assessment Consultant Auto Financing.We are seeking a consultant to advise on the development of our auto-financing risk assessment logic, with a focus on affordability, creditworthine...Show moreLast updated: 2 days ago
    • Promoted
    Portfolio Manager - Wholesale Credit Delivery - Middle Market segment

    Portfolio Manager - Wholesale Credit Delivery - Middle Market segment

    TruistAtlanta, GA, US
    Full-time +1
    Wholesale Banking Credit Analyst.Underwrites credit exposure for Wholesale Banking clients and actively manages a Middle Market or CML portfolio. Includes day-to-day client interaction, managing por...Show moreLast updated: 27 days ago
    • Promoted
    Mortgage Loan Officer

    Mortgage Loan Officer

    VyStar Credit UnionAlpharetta, GA, United States
    Part-time
    At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement available to a...Show moreLast updated: 5 days ago
    • Promoted
    Specialty and CRE Lending Portfolio Credit Analyst

    Specialty and CRE Lending Portfolio Credit Analyst

    Atlanta Postal Credit UnionAtlanta, GA, US
    Full-time
    Seeking a capable, detail-oriented individual to join our commercial lending TEAM! 3+ years' experience in Commercial credit review & analysis, Underwriting, Portfolio Management, CRE credi...Show moreLast updated: 30+ days ago
    • Promoted
    Credit Coordinator - Pro Credit

    Credit Coordinator - Pro Credit

    Atlanta StaffingAtlanta, GA, US
    Full-time
    Position Purpose : The Credit Coordinator position will be part of a team responsible for completing tasks and processes that support Trade Credit Services. These associates will be involved in colle...Show moreLast updated: 2 days ago
    • Promoted
    Loan Officer

    Loan Officer

    PRMGAtlanta, GA, US
    Full-time
    PRMG is Built by Originators for Originators.There is a reason why PRMG is consistently voted one of the best places to work. We focus on the areas that make an Originator successful and have an unm...Show moreLast updated: 30+ days ago
    • Promoted
    Senior Portfolio Manager

    Senior Portfolio Manager

    First HorizonAtlanta, GA, US
    Full-time
    Job Category : Commercial Lending.The Portfolio Manager is responsible for proactively managing portfolios by identifying trends and alerting management to changes in portfolio conditions.Partners w...Show moreLast updated: 30+ days ago
    • Promoted
    Wealth Credit Delivery Portfolio Manager II or Sr. Portfolio Manager

    Wealth Credit Delivery Portfolio Manager II or Sr. Portfolio Manager

    Georgia StaffingAtlanta, GA, US
    Full-time +1
    Wealth Credit Portfolio Manager.Language Fluency : English (Required).Work Shift : 1st shift (United States of America).The Wealth Credit Portfolio Manager is responsible for underwriting loan transa...Show moreLast updated: 9 days ago
    • Promoted
    Mortgage Loan Officer

    Mortgage Loan Officer

    Dream Finders HomesStockbridge, GA, United States
    Full-time
    Jet Home Loans is a part of the Dream Finders Homes family where we are committed to providing exceptional customer service while delivering beautifully innovative homes. We are one of the fastest g...Show moreLast updated: 5 days ago
    • Promoted
    Credit Officer II-Dealer Financial Services

    Credit Officer II-Dealer Financial Services

    Atlanta StaffingAtlanta, GA, US
    Full-time
    Credit Officer II-Dealer Financial Services.This job is responsible for managing, monitoring, and documenting credit risk for a portfolio of clients. Key responsibilities include monitoring changes ...Show moreLast updated: 2 days ago
    • Promoted
    Credit Risk Associate - Capital Markets

    Credit Risk Associate - Capital Markets

    Atlanta StaffingAtlanta, GA, US
    Full-time
    Credit Risk Analyst Capital Markets.Thank you for your interest in a career at Regions.At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven indi...Show moreLast updated: 2 days ago
    • Promoted
    Senior Portfolio Manager - Problem Loan Resolution

    Senior Portfolio Manager - Problem Loan Resolution

    TruistAtlanta, GA, US
    Full-time
    Commercial Lending Underwriter.Responsible for underwriting all credit requests, including new requests as well as credit decisioning within some portfolios. Accountable for recommending credit stru...Show moreLast updated: 30+ days ago
    • Promoted
    Mortgage Loan Officer

    Mortgage Loan Officer

    Satori MortgageWoodstock, GA, United States
    Full-time
    Are You an Unstoppable, High-Energy Lead Gen Machine? This Opportunity Is For You, Hardcore Closer!.Are you always connecting with people and giving back to your community? If this sounds like you,...Show moreLast updated: 5 days ago
    • Promoted
    Mortgage Loan Officer

    Mortgage Loan Officer

    Mortgage Solutions Of GeorgiaAcworth, GA, United States
    Full-time
    Do you have a proven track record of creating lending solutions for clients and a desire to assist buyers in obtaining the property of their dreams? If so, we’d love to talk with you about joining ...Show moreLast updated: 5 days ago
    • Promoted
    Mortgage Loan Officer Elite Live Transfer Division

    Mortgage Loan Officer Elite Live Transfer Division

    Satori MortgageCartersville, GA, United States
    Full-time
    Getting in on the Ground Floor.Are You a Killer Closer on Live Calls? Join Our Live Transfer Lead Division and Turn Every Call into Gold!. Do you know the thrill of picking up a live call and closin...Show moreLast updated: 5 days ago
    • Promoted
    Credit Officer II-Global Corporate & Investment Banking

    Credit Officer II-Global Corporate & Investment Banking

    Atlanta StaffingAtlanta, GA, US
    Full-time
    Credit Officer II - Global Corporate & Investment Banking.This job is responsible for managing, monitoring, and documenting credit risk for a portfolio of clients. Key responsibilities include monit...Show moreLast updated: 2 days ago
    • Promoted
    Credit Risk Officer II-Commercial Credit

    Credit Risk Officer II-Commercial Credit

    Fifth ThirdAtlanta, GA, United States
    Full-time
    Make banking a Fifth Third better.We connect great people to great opportunities.Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. Pursuant to the Bancorp Risk F...Show moreLast updated: 4 days ago
    • Promoted
    Senior Credit Officer, Digital Infrastructure

    Senior Credit Officer, Digital Infrastructure

    CoBankAtlanta, GA, US
    Temporary
    Takes leadership role in analyzing and developing credit-structuring alternatives within all Digital Infrastructure (DI) verticals including regional, large corporate / syndicated / sponsor and data ce...Show moreLast updated: 9 days ago