The Appraisal Senior Analyst is a seasoned professional role. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and work-flow for the area or function. Integrates subject matter and industry expertise within a defined area. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information.<br><br>Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Strong communication and diplomacy skills are required. Regularly assumes informal/formal leadership role within teams. Involved in coaching and training of new recruits. Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Work and performance of all teams in the area are directly affected by the performance of the individual.<br><br><strong>Responsibilities: <br><br></strong><ul><li>Provide financial analysis, risk assessment and analytics support for appraisals of all complexities and loan values</li><li>Cover various relationships with Real Estate groups, provide credit analysis and monitoring of new and existing relationships.</li><li>Utilize complex and diverse knowledge and understanding of credit and risks across the various real estate sectors and an opportunity to develop skills in credit analysis, capital structuring, and the ability to identify, quantify risk and conceptualize risk mitigation solutions.</li><li>Work directly with junior and senior real estate colleagues to generate meaningful and detailed appraisal reviews.</li><li>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.<br><br></li></ul><strong>Qualifications:<br><br></strong><ul><li>5-8 years previous risk experience required</li><li>Residential certification required (state certification)</li><li>Field experience with appraisals and prior appraisal review experience preferred<br><br></li></ul><strong>Education:<br><br></strong><ul><li>Bachelor's/University degree or equivalent experience<br><br></li></ul>------------------------------------------------------<br><br><strong>Job Family Group: <br><br></strong>Risk Management<br><br>------------------------------------------------------<br><br><strong>Job Family:<br><br></strong>Real Estate Appraiser<br><br>------------------------------------------------------<br><br><strong>Time Type:<br><br></strong>Full time<br><br>------------------------------------------------------<br><br><strong>Primary Location:<br><br></strong>Telecommuter Missouri United States<br><br>------------------------------------------------------<br><br><strong>Primary Location Full Time Salary Range:<br><br></strong>$90,080.00 - $135,120.00<br><br>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.<br><br>------------------------------------------------------<br><br><strong>Most Relevant Skills<br><br></strong>Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.<br><br>------------------------------------------------------<br><br><strong>Other Relevant Skills<br><br></strong>For complementary skills, please see above and/or contact the recruiter.<br><br>------------------------------------------------------<br><br><strong>Anticipated Posting Close Date:<br><br></strong>Sep 16, 2026<br><br>------------------------------------------------------<br><br><strong>Automated Processing and AI<br><br></strong>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.<br><br>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.<br><br>Illinois residents – AI Notice and Right<br><br>------------------------------------------------------<br><br><em>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.<br><br></em><em>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.<br><br>View Citi’s EEO Policy Statement and the Know Your Rights poster.</em>