Officer, Credit Portfolio Analyst, Mortgage Lending

Officer, Credit Portfolio Analyst, Mortgage LendingAt Citi , we get to connect millions of people across hundreds of cities and countries every day. And we've been doing it for more than 200 years. We do this through our unparalleled global network. We provide a broad range of financial services and products to our clients - whether they be consumers, corporations,ernments or institutions - to help them meet their biggest opportunities and face the world's toughest challenges.

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We're currently looking for a high caliber professional to join our team as Officer, Credit Portfolio Analyst (Internal Job Title : Credit Portfolio Analyst II - C10) based in Hong Kong. Being part of our team means that we'll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future. For instance :

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In this role, you're expected to :

The Credit Analyst II is an intermediate-level position responsible for credit risk management function on retail mortgage lending business, including policy management, portfolio monitoring, model management andernance. We are seeking a highly motivated and skilled individual to assume responsibility for the management andernance of our residential mortgage loss forecasting models, as well as participating and contributing to the evolution and implementation of our Retail Credit Risk policies. This role will be integral to ensuring the accuracy and robustness of our risk assessments and the soundernance of our credit practices, particularly within the residential mortgage sector.

Report to the Mortgage Lending Risk Manager to monitor and manage the Retail mortgage lending credit cycle

Partnering with key stakeholders to overseeing the entire lifecycle of retail credit risk loss forecasting models for the residential mortgage portfolio, from development and validation to ongoing performance monitoring, recalibration, and documentation. This includes ensuring models are fit for purpose, accurate, andply with internal and external requirements.

Conducting in-depth quantitative analysis of large datasets related to mortgage performance, identifying trends, assessing portfolio health, and informing model enhancements. Preparingprehensive reports and presentations on model performance, forecasts, and key risk indicators for various stakeholders, including senior management and regulatory bodies.

Ensuring all model activities and policy frameworks adhere to internalernance standards, regulatory requirements (, Basel, IFRS 9), and industry best practices. Collaborating with internal audit andpliance teams to ensure adherence.

Participating in the review, development, and implementation of retail credit risk policies, particularly those pertaining to residential mortgages. This involves ensuring policies are current, effective, and align with regulatory expectations and the bank's risk appetite. Escalate credit concerns / updates to Mortgage Lending Risk Manager and propose risk mitigation action to be taken by staying continuously informed of related developments / news for the portfolio and industry covered and understanding the credit process, policies and Citi's risk appetite

Prepare and monitor key and ad hoc MIS on mortgage credit risk management, bring to management for attention if required per the portfolio performance trend and extend support on relevant key initiatives

Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by drivingpliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

As a successful candidate, you'd ideally have the following skills and exposure :

Bachelor or post-graduate degree in Business, Statistics, Data Science or other related quantitative disciplines

Minimum 2-3 years of experience in credit risk analysis in Mortgage Lending products with solid understanding of retail credit risk concepts, products, and processes, particularly within residential mortgages.

Demonstrated strong analytical and quantitative skills with proficiency in statistical modeling software (, SAS, R, Python) and large dataset manipulation. Data mining and MS Word / Excel / Access / Power-Point is a basic.

Experience in model validation, performance monitoring, and model documentation. Proven experience in managing, developing, or validating IFRS 9 impairment models, specifically for mortgage portfolios, is rmended.

Knowledge and practical experience with Climate Risk loss forecasting methodologies and their application in a financial institution context, would be an advantage.

Ability to translateplex analytical findings and policy requirements into clear, concise, and actionable insights for diverse audiences.

Excellentmunication skills, both written and verbal, for presenting technical information and policy rmendations.

Goodmunication, interpersonal skills and possess certain positive leadership skills / potential ( take ownership, strong risk culture, ability to work independently etc.)

Working at Citi is far more than just a job. A career with us means joining a family 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 yourmunity and make a real impact.

Take the next step in your career, apply for this role at Citi today

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Job Family Group : Risk Management

Job Family :

Portfolio Credit Risk Management

Time Type : Full time

Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

Other Relevant Skills

Credible Challenge, Data Analysis, Laws and Regulations, Management Reporting, Referral and Escalation, Risk Remediation.

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Job ID 25897436