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 companys 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 firms 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.<ul><li>Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.</li><li>Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures.</li><li>Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.</li><li>Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization.</li><li>Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda</li><li>Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities.</li><li>Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.</li><li>Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness.</li><li>Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements.</li><li>Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals.</li><li>Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult</li><li>Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals.</li><li>Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi’s clients and the community.</li><li>Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development.</li><li>Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities.</li><li>Empathetically listens and understands others’ positions before acting on issues; works to amplify voices that are minimized in the workplace</li></ul><ul><li>Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firms reputation and safeguarding Citigroup, its clients and assets, by driving compliance 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 well as effectively supervise the activity of teams and create accountability with those who fail to maintain these standards</li></ul>Qualifications: <ul><li>15+ years of experience</li></ul>•      Requires a broad and comprehensive understanding of the credit risk field, recognized as a subject matter expert.•      Demonstrated thought leadership, developing new techniques, methodologies, and approaches for credit risk management.•      Proven track record of innovation and groundbreaking developments in credit risk assessment and mitigation.•      Expertise in evaluating complex issues with substantial impact, utilizing in-depth quantitative and qualitative analysis.•      Ability to drive change within and beyond the organization, shaping operational strategies and influencing industry standards.•      Exceptional communication skills, including clear articulation, effective presentation of complex information, and empathetic response.•      Advanced skills in mediating disputes and advocating for organizational interests with high-level stakeholders.•      Capability to challenge established norms and pioneer new approaches in complex domains.•      Proven ability to guide decision-making processes and implement technical solutions effectively.Education: Bachelors/University degree, Masters degree preferredThis 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: 1) Risk Managing Commodities credit exposures. 2) Risk Approving new Commodities credit exposure transactions.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 Managment, and other product/markets groups in pursuit of its portfolio management and credit approval duties.Key responsibilities:<ul><li>Maintain and manage a portfolio of credit exposures (including IG and NIG counterparties) to Citis North American Commodities clients in compliance with Citigroup’s policies, procedures and best practices</li><li>Provide credit risk approval for new transactions and periodic credit reviews as a Senior Credit Officer (SCO). Transactions include structured and regular-way commodities trades.</li><li>Partner and collaborate closely with Citi relationship and product organizations</li><li>Maintain adherence to single name and portfolio concentration limits</li><li>Participate in scheduled and ad-hoc Commodities portfolio stress testing</li><li>Communicate clearly with Citi Markets and Relationship Management organizations, particularly with respect to constructive review and challenge of transactions not to be approved, modification to structure or additional due diligence/conditions to approval)</li><li>Ensure appropriate credit terms in transaction legal documentation</li><li>Advise and make concise approval recommendations to senior management</li><li>Interact directly with Internal Credit Review, Intenral Audit, and relevant regulatory authorities during their periodic and ad-hoc reviews</li><li>Mentor and guide junior team members</li><li>Co-manage troubled assets with Special Assets colleagues</li><li>Work with Risk colleagues on risk mitigation at both inception of transactions and on an ongoing basis</li></ul>------------------------------------------------------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 &amp; 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------------------------------------------------------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. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review <a href="https://www.citigroup.com/citi/accessibility/application-accessibility.htm" target="_blank">Accessibility at Citi</a>. View Citi’s <a href="https://www.citigroup.com/global/eeo-aa-policy" target="_blank">EEO Policy Statement</a> and the <a href="https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf" target="_blank">Know Your Rights</a> poster.