At a Glance
- Tasks: Lead lending strategies, negotiate with clients, and develop innovative financial solutions.
- Company: Join a leading global bank with a commitment to diversity and inclusion.
- Benefits: Competitive salary, comprehensive benefits, and opportunities for professional growth.
- Other info: Dynamic work environment with a focus on ethical practices and compliance.
- Why this job: Make a significant impact in the financial sector while working with top-tier professionals.
- Qualifications: Extensive experience in lending, strong analytical skills, and excellent communication abilities.
The predicted salary is between 80000 - 120000 £ per year.
The Lending Advisor Generalist is a strategic professional who closely follows the latest trends in their field and adapts them for application within their job and the business. Recognized as a subject matter expert, strong commercial awareness is a necessity. Excellent communication skills are required to negotiate internally, often at a senior level, as well as for external client negotiation and communication.
The candidate is an experienced lending product specialist and credit officer within the Lending Advisory business, with direct client coverage responsibility. They are required to have strong structuring skills, origination/marketing capabilities, and sound credit judgment. Responsibilities include:
- Marketing and sale of the full product range, including client calling and account planning in partnership with Private Bankers.
- Understanding and anticipating clients' needs, following up with effective products and financial solutions.
- Maximising revenue generation whilst achieving at least minimum return targets ensuring responsible lending growth.
- Responsible for appropriate transaction structuring and execution with appropriate risk and return characteristics, ensuring compliance with Credit Policy and Risk Acceptance standards.
- Defining, coordinating, and overseeing the analytical activities of the deal team.
- Overseeing preparation of credit and capital allocation memos.
- Negotiating, obtaining, and closing credit documentation, ensuring compliance with all Citi and external policies.
- Responsible for early problem recognition and proposing credit classification and appropriate risk rating on specific transactions/relationships.
This role requires a strong mix of credit and process skills, with the ability to influence stakeholders, including clients and seniors of the bank, to deliver against budget and ensure processes meet the Bank’s highest standards. Participation in remedial management actions together with other internal teams may be required.
Qualifications include:
- Extensive experience working in a similar role.
- Strong and proven analytical, financial structuring, and execution skills.
- Strong marketing and sales skills.
- Good knowledge of financial markets, investments, banking, and loan products.
- 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.
Candidates applying for this role must be aware that it is a Certified Role, subject to the Certification Regime. The Certification Regime requires that employees in specified significant harm functions are assessed as fit and proper to carry out their role.
Citi is an equal-opportunity employer, and qualified candidates will receive consideration without regard to race, colour, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
Lending Advisor - Director employer: Citi
Citi is an exceptional employer that fosters a dynamic and inclusive work culture, providing its employees with unparalleled opportunities for professional growth and development. As a Lending Advisor - Director, you will be part of a team that values innovation and collaboration, while also benefiting from competitive compensation packages and comprehensive support for work-life balance in a vibrant city environment. With a commitment to ethical practices and a focus on employee well-being, Citi stands out as a leader in the financial services industry, making it an ideal place for those seeking meaningful and rewarding careers.
StudySmarter Expert Advice🤫
We think this is how you could land Lending Advisor - Director
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Citi. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Lending Advisor - Director
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Citi.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Citi's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Citi
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Citi.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Citi will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Citi employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
