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The Lending Advisor Generalist is a strategic professional who closely follows latest trends in own field and adapts them for application within own job and the business. Recognized subject matter expert within one area. Strong commercial awareness is a necessity. Is an acknowledged authority both within and outside area of expertise. Typically a small number of people within the business that provide the same level of expertise. Excellent communication skills required in order to negotiate internally, often at a senior level. External client negotiation and communication is required. Provides advanced judgment and conducts in-depth quantitative or qualitative analysis to solve problems and develop new, innovative structures and solutions. Required to think beyond existing solutions, assumptions or current knowledge of sophisticated areas. Significant impact on a function and/or the business through making decisions that determine technical approaches and strategies for the area. The candidate is an experienced lending product specialist and credit officer within the Lending Advisory business, with direct client coverage responsibility. The candidate is required to have strong structuring skills, origination/marketing capabilities and sound credit judgment and has the responsibility to work with Private Bankers for completing the due diligence, underwriting, obtaining approval and reviewing/closing documentation for new Facilities to clients. This is a demanding role for which a strong mix of credit and process skills is crucial. It requires an ability to influence stakeholders, including clients, seniors of the bank, Risk, auditors or other areas of the Bank, to deliver against budget and to ensure processes meet the Bank’s highest standards.
Job Responsibility:
Marketing and sale of the full Product range, including client calling and account planning in partnership with Private Bankers
Understand and anticipate clients' needs, following up with effective products and financial solutions
Maximize revenue generation whilst achieving at least minimum return targets ensuring responsible lending growth
Responsible for appropriate transaction structuring and execution (within product programs) with appropriate risk and return characteristics, ensuring appropriate Credit Policy and Risk Acceptance standard compliance
Define, coordinate and oversee the analytical activities of the deal team
Define and negotiate the transaction and credit framework (including covenant definition)
Oversee preparation of credit and capital allocation memos
Oversee the Credit Approval write up, for both new deals and annual reviews
Negotiation, obtaining and closing of credit documentation, ensuring compliance with all Citi and external policies and coordinating with external counsel and Risk Management, as required
Responsible for the early problem recognition process and must propose, when deemed appropriate, credit classification and appropriate risk rating on specific transactions/ relationships
Participation in remedial management actions together with other internal teams as required
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.
Requirements:
Extensive experience working in a similar role
Strong and proven analytical, financial structuring and execution skills
Strong marketing and sales skills
Strong knowledge of Citibank’s Credit Policies, Product Programs and Citi Policies
Good knowledge of financial markets, investments, banking and loan products
Financial and cash flow modelling
Excellent communication (written and verbal) and interpersonal skills
Ability to work under pressure to tight deadlines
Good negotiation skills
Strong initiative and interactive approach to problem solving
Displays flexibility and independence in a demanding environment