VP-Risk QC Credit Officer

The Credit Risk Officer provides full leadership and supervisory responsibility, overseeing the QC audit process, teams, and partnering with the business. You will apply in-depth disciplinary knowledge to provide value-added perspectives and develop processes, procedures, and plans within the overall function. Strong communication and diplomacy skills are essential, as well as the ability to collaborate with multiple business functions. Your responsibilities will include ensuring the quality and timeliness of audits, accurate reporting, and monitoring overall quality to remain within the risk appetite. You will perform oversight of the audit function for High Net Worth, Ultra High Net Worth, and Portfolio lending, managing Risk and Controls to maintain quality expectations. Integrating a deep credit underwriting background of complex transactions for HNW and UHNW clients with industry standards knowledge is crucial. Using sound judgment, you will oversee complex audit reviews, provide feedback to teams, and engage in meetings with Senior-level management and cross-functional business partners. Analyzing data, providing root cause analysis, generating accurate reports regularly, and facilitating ad-hoc reporting as needed will be part of your responsibilities. Interacting with regulators, GSEs, and internal audit, attending Regulatory Meetings, and evaluating impacts will also be required. Effective communication at all organizational levels, a strong customer service ethic, and team orientation are essential qualities for this role. Qualifications for this position include 10+ years of previous consumer Mortgage underwriting experience, extensive knowledge of the mortgage industry related to creditworthiness, regulatory requirements, and FHA/VA guidelines. Proficiency in creating Power Point Presentations, Excel Spreadsheets, and Word Documents is necessary. You must demonstrate high ethical standards, integrity, excellent verbal and written communication skills, effective listening skills, and the ability to work across all levels in Risk Management and with other Governance/Controls and business teams. Additionally, you should have excellent Presentation skills, be adept at presenting effectively to various audiences, work with key decision-makers across different organizational levels and functions, and adapt to a rapidly changing environment while supporting the audit team. Strong organizational skills, attention to detail, data analysis capabilities, and the ability to provide root cause analysis, identify trends, and recommend actions are required. The educational requirement for this role is a Bachelors/University degree or equivalent professional experience. If you are a person with a disability and require a reasonable accommodation to use the search tools or apply for a career opportunity, please review Accessibility at Citi.,