Senior Credit Officer, Citi

Citi

Location:
South Korea, Seoul

Category:
Finance

Contract Type:
Employment contract

Salary:

Not provided

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Job Description:

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 company's financial stability and supporting sustainable business growth.

Job Responsibility:

stay updated on industry developments and apply in-depth knowledge to contribute to strategic and pro-active risk management
provide guidance, review & challenge, and recommendations on complex credit approvals for an assigned credit portfolio
assess the quality of the loan portfolio, including the identification and assessment of emerging risks and providing regular feedback on issues and opportunities to senior management
monitor assigned credit portfolio, analyzing trends, risks, and key statistics to execute preventative measures
oversee deal approvals in collaboration with business partners, demonstrating commercial awareness and sound judgment
participate in developing and refining procedures for approvals, portfolio functions, and credit guidelines
effectively communicate and negotiate with internal stakeholders, often at senior levels, to influence decisions and impact projects
collaborate with the Risk organization to refine data utilization processes, demonstrating a deep understanding of data sources and analysis
adhere to compliance standards, assess business risks, and safeguard the company, its clients, and assets
prepare deliverables for internal and external stakeholders, including regulators
make informed business decisions that consider risk assessment, the firm's reputation, and compliance with laws, rules, and regulations

Requirements:

10+ years of experience
demonstrated experience in overseeing and approving credit applications within a business context
deep understanding of financial analysis and cash flow lending products
proven ability to adapt and implement the latest industry trends in credit approval and risk management
experience in resolving moderately complex issues, balancing conflicting situations, and evaluating alternatives
proficiency in analyzing and interpreting financial data, assessing risk, and making informed credit approval decisions
effective communication and diplomacy skills to negotiate and influence both colleagues and external customers
consistently demonstrate clear and concise written and verbal communication in Korean
bachelor's/university degree, master's degree preferred

What we offer:

company benefits as per internal policies
adherence to equal opportunity policies
disability and military veteran preference for application

Additional Information:

Job Posted:
August 07, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Senior Credit Officer