Lending Advisor - Director - Citi 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 subject matter expert within one area, they possess strong commercial awareness and are an acknowledged authority both within and outside their area of expertise. They exercise advanced judgment and conduct in-depth quantitative or qualitative analysis to solve problems, develop new innovative structures and solutions, and think beyond existing assumptions. Significant impact is achieved by making decisions that determine technical approaches and strategies for the area.

Responsibilities:

• 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 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.
• Understand and anticipate clients' needs, following up with effective products and financial solutions.
• Maximise revenue generation whilst achieving minimum return targets ensuring responsible lending growth.
• Responsible for appropriate transaction structuring and execution within product programs with appropriate risk and return characteristics, ensuring 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 early problem recognition and must propose, when deemed appropriate, credit classification and appropriate risk rating on specific transactions/relationships.
• This is a demanding role requiring a strong mix of credit and process skills.
• It requires an ability to influence stakeholders, including clients, senior bank leaders, Risk, auditors or other areas of the Bank, to deliver against budget and to ensure processes meet the Bank's highest standards.
• 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.

Qualifications:

• 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.

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 that came into effect on 7 March 2016. Under the Certification Regime, certain Citi entities must ensure employees working in certain roles categorized 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 consider honesty, integrity and reputation; financial soundness; competence and capability. In order to comply, certain Citi entities must take reasonable care to ensure an employee does not perform a Certified Role without first being certified as fit and proper. The assessment is 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.

By submitting your application, you acknowledge that you have read the information above and that you are applying for a Certified Role. You also agree to Citi carrying out any additional screening required, including permitted criminal record checks, reference checks, credit checks and any other background checks.

Citi is an equal‑opportunity employer, and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. 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.