Credit Portfolio Sr Analyst Position will be part of the in-Business Risk Management Decision Support team overseeing the analysis, implementation, and validation of the Mortgage Business proprietary Automated Underwriting system.  Automation is within Dark Matter’s Empower System known as Decision Select.  Individual will be responsible to complete independent analysis, development, and implementation documentation of Decision Select AUS that drives underwriting and process requirements, provides computer generated mortgage loan eligibility requirements and loan decision recommendations.  Position requires comprehensive knowledge of Wealth RRE mortgage policy, origination systems, understanding of multiple areas within business functions, and how they interact to achieve objectives.
 

Responsibilities:

• Responsible for analyzing Wealth Credit Policy Guidelines utilized in Decision Select AUS on a monthly basis.
• Individual will develop loan eligibility automation requirements in compliance with Credit Policy to compare/contrast the mortgage loan application to assess loan eligibility and loan decision recommendations.
• Drives timely and high-quality automation in support of Policy and Process automation, with overarching goal of a defect free production implementation.
• Strengthen strategic impact by effective optimization utilizing risk automation to support the mortgage loan origination system(s) and process efficiencies.
• Drives and maintains stability of risk automation through testing of vendor and strategic initiatives affecting Citi’s internal fulfillment, external customers, and AUS recommendations.
• Manage to standard processes for scope/change management, risk management, issue management and risk communications.
• Communicate cross functional requirements and understanding of business processes and workflow.
• Collaborate in identifying process improvements and efficiencies to support business unit goals through dissecting issues and making recommendations.
• Understand Citi’s approach to managing risk, as described in our Risk Governance Framework, and how it relates to their roles and responsibilities.
• Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's 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.
• Ensure escalation of all risks and issues to manager and senior stakeholders in a timely manner.

Qualifications:

• 5 years Mortgage Underwriting or 6-10 years Mortgage Processing required.
• Expertise in Credit Fundamentals, Credit Policy and Mortgage Lending Programs required.
• Proficient in Mortgage loan origination systems (LoanFX / Empower).
• Comprehensive knowledge of Mortgage process and origination system and understanding of multiple areas within business functions and how they interact to achieve the objectives.
• Ability to work independently with strong attention to detail and accuracy.
• Excellent organizational skills, multi-tasking capabilities, and the ability to complete assignments within required deadlines in a fast-paced environment.
• Strong analytical and quantitative skills to filter, prioritize and validate complex material.
• Individual must work well under tight deadlines, manage priorities, and complete assigned tasks with minimal management follow up.
• Consistently demonstrate clear and concise written and verbal communication
• Proficiency in MS Office product suite

Education:

• Bachelor's degree/University degree or equivalent experience

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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Primary Location:

Ofallon Missouri United States

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Primary Location Full Time Salary Range:

$90,080.00 - $135,120.00

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.

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Most Relevant Skills

Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

Jul 02, 2026

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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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