Commercial Bank Senior Relationship Manager - Consumer & Retail (Director)

This exciting senior relationship manager role within the Consumer and Retail industry team is based in London and has arisen from Citi's ongoing commitment to support the global growth ambitions of UK Mid-Market businesses. Citi Commercial Bank UK (CCB UK) was established in 2016 to support the growth plans of UK-headquartered Mid-Market businesses with annual turnover from £100mm up to £3bn. As part of CCB's continued commitment to serving this segment, a dedicated Consumer and Retail client coverage team was established in 2024 - making this a rare, ground-floor opportunity for a senior banker to help scale a newer, high-priority sector franchise. The UK CCB Consumer and Retail team covers corporate clients who produce or sell consumer goods, food and beverage. Industry sub-segments include Food identify and execute cross-sell opportunities to deepen relationships and increase share of wallet Proactively own, respond to, and anticipate future client needs, challenges, and risks, ensuring clients are served with simplicity, security, and seamlessness Credit communicate credit and commercial recommendations clearly, compellingly, and concisely to senior risk management stakeholders and internal approvers Demonstrate substantial execution experience on complex, multi-product and multi-jurisdictional deals with a proven ability to lead a deal team Internal Collaboration foster a collaborative culture and promote coaching and development Demonstrate strong and visible leadership skills as a team player, serving as a role model for the values and standards of CCB UK Ensure compliance with all regulatory requirements and Citi's policies and guidelines at all times; verify adherence to global KYC (Know Your Customer) standards during onboarding and on an ongoing basis 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 judgement regarding personal behaviour and business practices, and escalating, managing, and reporting control issues with transparency Monitor and support product implementation processes and client onboarding with the ability to coordinate internally and elevate to bring processes back on track Extensive experience in commercial/corporate banking, with significant experience operating at a senior relationship management level Extensive experience in commercial banking, credit/risk management, and senior relationship management - with a demonstrable track record of originating new client relationships at a senior level In-depth knowledge of all aspects of commercial banking, including strong commercial credit knowledge and the ability to quickly learn and position new products and services Expert-level credit skills: proven ability to lead and structure all credit transactions, guide teams through the credit approval process, and manage credit committee discussions at a senior level Demonstrates advanced knowledge of Citi's (or comparable institution's) credit processes and credit appetite. While not required, previous underwriting experience is a plus. Demonstrates an expert level of Early Warning Detection skills and proactive portfolio risk management Proven ability to lead multi-functional deal teams and manage complex, multi-product and multi-jurisdictional transactions from origination to close Excellent interpersonal, communication, and influencing skills - including the ability to communicate complex credit, commercial, and strategic topics clearly and persuasively to senior internal and external stakeholders (e.g. negotiation, consultative skills, executive-level presentations) Highly focused and able to rapidly determine key priorities and clearly communicate them across the organisation Strong personal brand with a well-established network across the UK commercial banking market and relevant sector(s) A proactive approach to client relationships: able to anticipate future needs and risks, and to identify and pursue new opportunities aligned with CCB UK's value proposition. Strong sales and origination disciplines, including CRM (Salesforce) proficiency Ability to embrace new technology and understand the role digital plays in the client experience Ability to work under pressure while making sound decisions; able to quickly adapt priorities based on data insights Self-driven, with a genuine desire to help and add value to clients and colleagues. Education Level Graduate / Master's degree While not required, other relevant qualifications are a plus (e.g. ACCA, MBA, CFA, etc.) Candidates applying for this role must be aware that it is a Certified Role, subject to the Certification Regime. The Certification Regime is one element of the Individual Accountability Regime which has come into effect on 7 March 2016. Under the Certification Regime, certain Citi entities must ensure that employees working in certain roles categorised as specified significant harm functions (Certified Roles) are assessed as fit and proper to carry out their role. Under the guidance provided by the FCA and PRA, firms should have regard to the following when assessing fitness and propriety: Honesty, integrity and reputation Financial soundness Competence and capability In order to comply with the requirements of the Certification Regime, certain Citi entities must take reasonable care to ensure that an employee does not perform a Certified Role without first being certified as Fit and Proper. For this reason, you will be assessed for this role against the Fit and Proper requirements, as described above. This assessment will be carried out through extensive interviews, self-disclosures, permitted criminal record checks, reference checks, credit checks and other background checks. If hired for this role, you will also be required to complete an annual declaration regarding your Fitness and Propriety.