Lending Advisor - Director in London

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:

• Working with Private Bankers to complete due diligence, underwriting, obtaining approval, and reviewing/closing documentation for new Facilities to clients.
• 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 minimum return targets, ensuring responsible lending growth.
• Defining, coordinating, and overseeing the analytical activities of the deal team.
• Overseeing preparation of credit and capital allocation memos and the Credit Approval write-up for both new deals and annual reviews.
• 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 in a similar role, strong analytical and financial structuring skills, good knowledge of financial markets, investments, banking, and loan products, as well as excellent communication and interpersonal skills. Candidates must also be able to work under pressure to tight deadlines and possess good negotiation skills.

Certification & Compliance: Candidates applying for this role must be aware that it is a Certified Role, subject to the Certification Regime. Under this regime, certain Citi entities must ensure that employees in specified significant harm functions are assessed as fit and proper to carry out their role. This includes undergoing extensive interviews, self-disclosures, background checks, and an annual declaration regarding Fitness and Propriety if hired.

Equal Employment Opportunity: Citi is an equal-opportunity employer, and qualified candidates will receive consideration without regard to any characteristic protected by law.