Risk QC Credit Officer

6 days ago

Mumbai, Maharashtra, India Citi Full time ₹ 15,00,000 - ₹ 25,00,000 per year

Role Overview: As a Risk QC Credit Officer at the company, you will be responsible for evaluating complex and variable issues with substantial potential impact by exercising discretion and judgment based on in-depth subject matter and industry expertise. Your role will involve conducting reviews of credit transactions ranging in complexity with direct business impact, providing feedback to management, and identifying process improvement opportunities. Key Responsibilities: - Conduct reviews of credit transactions, including new residential real estate mortgage/HELOC financings - Provide timely and accurate feedback to management regarding necessary corrections and observations found during audit reviews - Evaluate processes and controls for improvement opportunities and potential gaps - Escalate process-related concerns to the appropriate levels of management - Interact with Risk Management, Originations, and/or Credit Policy staff to resolve issues - Perform other assigned duties and functions Qualifications Required: - 7+ years of experience in underwriting consumer mortgages - Familiarity with Fannie Mae and Freddie Mac guidelines - Experience with portfolio or home equity lending is a plus - Thorough knowledge of property and credit requirements, including secondary marketing concepts - Excellent oral/written communication skills, strong analytical, process-driven, and problem-solving skills - Ability to interact with all levels of the organization and confidently defend rationale for decisions - Excellent leadership skills - Bachelors/University degree strongly preferred in Business, Finance, Accounting, or Economics or equivalent professional experience (Note: Omitted additional details of the company as it was not present in the provided job description),

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