Credit Risk Management Commodities - Director

Credit Risk Manager

The Credit Risk role is focused on analyzing the creditworthiness of individuals and entities, assigning risk ratings, recommending, or approving credit extensions or withdrawals, and providing ongoing monitoring of credit exposures. This role includes those with credit approval authority for portfolios requiring management for delinquency. Individuals within this role maintain a balance between risk and return, ensuring that credit policies are appropriate, and perform regular in-depth reviews of the credit portfolio. This role manages and mitigates potential credit losses, safeguarding the company's financial stability and supporting sustainable business growth.

Responsibilities :

• Lead regional and key risk reviews, ensuring compliance and mitigating threats.
• Critically evaluate assigned portfolios, identifying and assessing emerging risks.
• Drive continuous improvement of credit risk processes and standards for assigned entities.
• Oversee and validate corrective action plans for identified issues, addressing concerns from control functions.
• Lead the review and assessment of the Risk Appetite framework, ensuring its appropriateness, completeness, and usage trends.
• Review, challenge and provide approval for the assigned portfolio credits and / or recommendations to more senior credit officers as needed.
• Provide independent assessments on the accuracy and appropriateness of risk ratings and classifications for assigned portfolios.
• Assist the Risk Head in orchestrating regional and / or global tasks using innovative techniques and methodologies.
• Develop strategic plans to enhance the efficiency and effectiveness of the organization.
• Innovate and optimize the decision engine capabilities of the collections process, ensuring optimal treatments for each account.
• Collaborate with other credit risk families to support the best outcome for Citi, sharing and implementing best practices.
• Manage relationships and expectations of external regulators, Regulatory reporting, Risk, Finance, and Accounting Policy.
• Partner with the Risk organization to refine the process of defining, extracting, and utilizing data.
• Make informed business decisions, considering risk assessment, the firm's reputation, and compliance with laws, rules, and regulations.
• Enforce compliance with applicable laws, rules, and regulations, upholding policy and ethical business practices.
• Manage and report control issues with full transparency, using advanced judgment and innovative techniques.
• Owning relevant scorecards and underwriting frameworks.

Qualifications :

Education :

This Director (C-15) position will be a Risk Manager on the North American Regional Credit team, reporting to the Global Head - Commodities Risk, and be responsible for :

Candidates should have Senior Credit Officer (SCO) experience. The position will interact heavily with Citigroup's Commodities organization, as well as Corporate Banking, Institutional Credit Management, and other product / markets groups in pursuit of its portfolio management and credit approval duties.

Key responsibilities :

Job Family Group : Risk Management

Job Family : Credit Risk

Time Type : Full time

Primary Location : Houston Texas United States

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.

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.

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

Anticipated Posting Close Date : Oct 22, 2025

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