The Portfolio and Funding Analyst will implement and assist in the execution of the management framework that the Director of Portfolio Management develops for the Residential Mortgage and the Home Equity Line Business. He/she will draw upon the institutional infrastructure to generate and assimilate reports that will allow management to focus on key factors driving the risk and return of the portfolio and future new business. Direct result of his/her work will influence decisions in originations, pricing, funding, retention, loss mitigation, asset disposition and other portfolio related activities whose driving factors are asset performance and funding implementation. The Portfolio Analyst will work directly with senior managers in Portfolio and Enterprise Analytics, Decision Management and Treasury to implement innovative solutions to manage and maintain the appropriate risk and return in CMI businesses. **Deliverables:** + Ability to work with large datasets and statistical modeling + Generate the daily mortgage rate sheet with the market rates and pricing change request, analyze the factors contributing to changes in mortgage rates. + Develop and implement portfolio balance sheet reporting tools to assist Portfolio Management on quantifying and managing interest risk, hedging for tail risk, maximizing risk-adjusted profits + Generate monthly/quarterly/semi-annual cash flow projections to support CCAR and IRE frameworks + Develop the financial/analytical tools to assist with managing CMI Funding/Asset/Liability relationships, to maximize risk/return and efficiencies among intra-department partners. + Develop analytic tools to optimize front-end pricing from a risk-return perspective; this will encompass sub-channel and loan-level pricing processes and balance profit opportunities, risk dimensions, demand functions and operational capabilities. + Lead cross-functional collaboration with IT to ensure the delivery of accurate, high-quality loan-level data, critical for risk analysis and strategic decision-making. + Collaborate closely with all partners in the business, especially IT, Capital Markets, Treasury, CMI Management, Finance and Credit Risk. **Qualifications:** + 5-10 years working experience in the related field + Proven track record in implementing analytical infrastructure in the financial services industry + Requires Fixed Income/Mortgage knowledge + Strong interpersonal skills and commitment to excellence, ability to interact with all levels of management. + Ability to work effectively with a great degree of independence + Programming experience (e.g. SAS and VBA, Python and SQL) is required **Education:** + Advanced degree in finance, business, mathematics, engineering, statistics or related field ------------------------------------------------------ **Job Family Group:** Operations - Core ------------------------------------------------------ **Job Family:** Business Planning & Analysis ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ **Primary Location:** Charlotte North Carolina United States ------------------------------------------------------ **Primary Location Full Time Salary Range:** $96,400.00 - $144,600.00 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** Please see the requirements listed above. ------------------------------------------------------ **Other Relevant Skills** For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ **Anticipated Posting Close Date:** Aug 14, 2025 ------------------------------------------------------ _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 (https://www.citigroup.com/citi/accessibility/application-accessibility.htm) ._ _View Citi’s EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy) and the Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf) poster._ Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.