The VP, Residential Real Estate Risk - Risk Analytics -Loss Recognition is responsible for risk analytics, controls and monitoring of mortgage loss recognition activities (FFIEC) for the US residential real estate portfolio. In this role, your will develop and maintain robust controls and monitoring routines for risk oversight of loss recognition activities in compliance with Citi Retail Credit Policy and applicable supervisory guidelines. You will work closely with independent risk management and policy team and stakeholders in mortgage-servicing, finance, controls, supporting both US Personal Banking and Wealth divisions on an expansive set of portfolio objectives to deliver performance aligned with Citi's risk-appetite framework.

Responsibilities Use sophisticated analytical techniques to monitor execution of loan loss recognition activities in compliance with Citi policy requirements and applicable supervisory guidelines. Monitor credit loss performance trends, understand drivers to incremental credit loss and identify loss mitigation opportunities through the loan life cycle. Understand the write-down process.

Conduct root cause analyses of any concerns from auditors or internal partners and provide recommendations to address concerns. Develop, track and report on key initiatives, performance results, and emerging trends, analyzing risks, and ensure appropriate escalation and communication is provided to senior leadership. Utilize analytical tools such as SAS, R, SQL or Python (SAS preferred), to develop data driven insights with regards to loss recognition activities.

Manage the audit and control environment, end-user computing portals, audit self-assessments, and interact with internal/external auditors. Understand relevant supervisory guidelines, FFIEC guidelines, accounting and credit policy requirements applicable to write-down, write-off, charge-off, loan impairment and loss recognition for a supervised depository institution. Establish cross-functional partnerships and networks in order to develop and implement loss-mitigation strategy and support the execution of cross-functional business initiatives.

Drive compliance with applicable laws, rules and regulations, adhere to Policy, apply sound ethical judgment regarding personal behavior, conduct and business practices, and escalate, manage and report control issues with transparency, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards. Qualifications 8-12 years of related analytic experience using quantitative analysis, in a consumer credit management or finance/accounting for loss recognition in a supervised bank context is preferred. Experience in the residential real estate (mortgage/home-equity) industry highly preferred.

Proficiency in writing SAS codes with macro, or proficiency in other data management tools, such as R, SQL or Python (can be trained to use SAS quickly). Experience with SQL programming in a UNIX environment is preferred. Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency.

The successful candidate will have demonstrable analytic, interpersonal and project management skills. Ability to work effectively on virtual teams, including across different geographies and time zones preferred. Consistently demonstrate clear and concise written and verbal communication.

Establish solid cross-functional partnerships and networks to contribute and execute cross-functional and business initiatives. Education Bachelor's degree/University degree. Major in Finance/Accounting or quantitative fields such Statistics, Mathematics, or Engineering preferred.

Advanced degrees considered a plus. ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Portfolio Credit Risk Management ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Primary Location: Irving Texas United States ------------------------------------------------------ Primary Location Full Time Salary Range: $114,720.00 - $172,080.00 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

------------------------------------------------------ Most Relevant Skills Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle. ------------------------------------------------------ Other Relevant Skills Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ Anticipated Posting Close Date: Sep 22, 2026 ------------------------------------------------------ Automated Processing and AI We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening.

Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi. Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making.

Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details. Illinois residents - AI Notice and Right ------------------------------------------------------ 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 Accessibility at Citi.

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