Credit Officer - AVP

The AVP Credit Officer is a seasoned professional role that applies in-depth disciplinary knowledge and judgment to mitigate risk and operate within established guidelines. The role collaborates closely with Operations, providing specialized credit and project review expertise that supports sound decision-making throughout the loan lifecycle.

Requires a strong understanding of how individual areas integrate within the broader sub-function and contributes to the objectives of the function and overall business.

Evaluates complex and variable issues with potentially significant impact, requiring the ability to assess multiple sources of information, weigh alternatives, and balance competing considerations. Strong analytical skills are essential to evaluate, prioritize, and validate complex and evolving information and determine appropriate courses of action. Effective communication, collaboration, and diplomacy skills are also required.

Key Responsibilities

• Project Approval: Serve as a Condo/Co-op Project Review Analyst in the project approval process, applying sound credit judgment and established eligibility requirements.
• Initiatives: Participate in the development, implementation, and ongoing support of Condo/Co-op initiatives.
• Financials and Budget Analysis: Conduct financial analysis and develop position papers and recommendations as needed.
• Document Review: Review and analyze condominium and co-op documentation to determine project eligibility and salability.
• Guidance & Support: Provide technical expertise, guidance, and support to business partners across all channels regarding Condo/Co-op project approvals and requirements.
• Cross-Functional Collaboration: Partner with Operations and other key stakeholders to support effective execution throughout the loan lifecycle and address project-related issues as they arise.
• Tracking & Reporting: Maintain accurate records and databases of reviewed projects and associated decisions.
• Ad Hoc Support: Participate in special projects and other business initiatives as needed.

Qualifications & Skills

• Industry Experience: Minimum of 4–6 years of mortgage industry experience. Credit underwriting and/or processing experience preferred; Condo/Co-op project review knowledge is a plus.
• Credit & Analytical Judgment: Ability to apply credit knowledge, analytical judgment, and established guidelines to evaluate project eligibility and identify potential risk.
• Problem Solving & Critical Thinking: Strong problem-solving and critical-thinking skills, with the ability to evaluate alternatives, articulate the rationale behind decisions, and appropriately prioritize responsibilities.
• Communication & Collaboration: Strong written and verbal communication and interpersonal skills, with the ability to communicate clearly and collaborate effectively with business partners and stakeholders.
• Technical Skills: Proficiency with Microsoft Office applications, including PowerPoint, Access, and Excel.
• Quality & Accuracy: Demonstrated ability to maintain a high degree of accuracy and attention to detail while effectively managing multiple priorities and deadlines.

Education

• Bachelor’s/University degree or equivalent experience.

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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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We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.

Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

Illinois residents – AI Notice and Right

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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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View Citi’s EEO Policy Statement and the Know Your Rights poster.