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The Credit Maintenance Analyst is an intermediate level position responsible for capturing and recording data on credit exposures, obligors and facilities in relevant credit systems in coordination with the Operations - Services team. The overall objective of this role is to coordinate and maintain data quality in credit systems, monitor and report credit exposure, escalate deficiencies and recommend delinquent strategies in alignment with overall credit policies.

Responsibilities:

• Review incoming credit requests for completeness and accuracy, and convert to concise, accurately recorded credit facilities

• Prepare Credit Approvals & track progress during approval process, and ensure approvals are received in compliance with policy/recorded in database accurately

• Maintain accurate records and controls to ensure timely follow-up

• Monitor end-of-day exposure versus limits while escalating detected exceptions per policy and obtaining facilities to address recurring exceptions

• Prepare portfolio and related credit information for internal and external auditors as well as contribute to achieving acceptable audit ratings

• Interpret data, make recommendations, identify policy gaps, and assist in formulating policies

• Appropriately assess risk when business decisions are made, demonstrating particular 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.

• Good understanding of applicable regulations and compliance with same.

• Check for document completeness and spot inconsistencies.

• Calculate income for credit assessment in accordance with policies/procedures

• Ensure day to day operations are performed and SLAs are met as agreed with business

• Timely and accurate processing and customer resolution

• Timely escalation on incomplete/delayed processing

• Sound credit judgment, in ensuring that apps are approved within the credit/regulatory guidelines.

• Detailed examination of documents (income, id) & applicant profiling to prevent fraud

• Focus on turnaround time & processing accuracy

• High level of service to internal & external customers

Qualifications:

• 2-5 years of relevant experience

• Experience in similar position or area

• 7-8 years’ experience in underwriting / other operations, preferably Credit Card underwriting.

• Should have good comprehension skills & attention to details

• Should have good communication skills

• Should be able to make sound decisions based on information on hand

• Proficient computer skills with a focus on Microsoft Office, Microsoft Project, and Windows domain

• Demonstrate strengths across Risk/Controls and Client Excellence

Education:

• Bachelor’s degree/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Job Family Group:

Operations - Services

Job Family:

Credit Maintenance

Time Type:

Full time

Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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 Accessibility at Citi (https://www.citigroup.com/citi/accessibility/application-accessibility.htm) .

View the "EEO is the Law (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/eeopost.pdf) " poster. View the EEO is the Law Supplement (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/OFCCP_EEO_Supplement_Final_JRF_QA_508c.pdf) .

View the EEO Policy Statement (http://citi.com/citi/diversity/assets/pdf/eeo_aa_policy.pdf) .

View the Pay Transparency Posting (https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf)

Citi is an equal opportunity and affirmative action employer.

Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.