Overview
The Lending Advisor is a key member of Citi Private Bank (CPB) team of specialists, acting as a proactive and responsive product advocate for credit. This role focuses on leading Residential Mortgage credit initiatives, partnering with CPB Banker teams, Market Executives, Investment Counselors, and other partners to ensure credit is a core part of the CPB offering.
Responsibilities
* Internal sales leader for Residential Mortgage credit offerings, liaising with the CPB Banker teams, Market Executives, Investment Counselors, and other partners to ensure credit is a core part of the CPB offering.
* Partner with Private Banker teams to profile client and prospect bases, identify and analyze lending opportunities, market lending products, including client calling and account planning. Participate in regional sales and product partner calls regularly. Conduct book reviews to uncover patterns of needs and opportunities for sophisticated, innovative solutions to clients.
* Build, promote and maintain an adequate pipeline of opportunities to meet Private Banking metrics and targets, including acquisition, production, balances, revenue, banker participation, etc.
* Run regular informational and educational sessions on credit topics with CPB Banker teams to increase awareness and lending acumen. Use success stories, market data, and best practices to build knowledge and skill set of CPB Banker teams on a consistent basis.
* Establish a reputation of execution and excellence. Deliver credit strategy for the region to clients, developing and implementing best practices and product-specific marketing strategies in coordination with Market Executives and PB teams. Understand and articulate the market for the product, competitive environment, gaps, challenges, and opportunities.
* Maximize revenue generation while achieving acceptable minimum return targets, ensuring responsible lending growth.
* Deliver strong expertise on Residential Mortgage loan structuring, including complex wealth profile clients. Act as the initial subject matter expert for internal and client inquiries on Private Banking lending products, especially Residential Mortgages.
* Function as part of a deal team requiring effective participation and leadership. Coordinate with CPB product specialists to provide interdisciplinary expertise for complex clients.
* Assist with Residential Mortgage portfolio management and related projects, across portfolio and process improvements.
Qualifications
* CeMAP (or equivalent)
* Strong Mortgage Regulatory knowledge and experience in the UK (EU experience is preferable)
* Extensive UHNW lending experience
* Strong analytical, financial structuring and execution skills
* Strong marketing and sales skills
* Good knowledge of financial markets, investments, banking and loan products
* Financial and cash flow modelling
Certification and compliance This role is a Certified Role under the Certification Regime. The Certification Regime requires assessment of fitness and propriety through interviews, disclosures, background checks and ongoing declarations. By applying, you acknowledge awareness of the regime and consent to Citi carrying out screening and background checks as required. The information provided includes guidance from the FCA and PRA on fitness and propriety, including honesty, integrity, reputation, financial soundness, competence and capability.
By submitting your application, you acknowledge that you are applying for a Certified Role and agree to Citi conducting screenings as necessary. Other standard job details: Job Family Group: Private Client Product Services; Job Family: IF Lending Generalist; Time Type: Full time.
Equality and accommodations: Citi is an equal opportunity employer. Qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other characteristic protected by law. If you need a reasonable accommodation to use our tools or apply, Citi provides accessibility support. See Citi’s EEO Policy Statement and Know Your Rights poster for more information.
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