_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._ _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 the 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_ _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_ _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._ _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 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. 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. Job Family Group: Private Client Product Services Job Family: IF Margin & Sec Backed Finance Time Type: Full time Most Relevant Skills Please see the requirements listed above. Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. _Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their 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 (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)_ _._ _View Citi's_ _EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy)_ _and the_ _Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)_ _poster._ Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.