The Senior Structured Lending Transactor 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. There is typically a small number of people within the business that provide the same level of expertise.
This is a client coverage position, therefore excellent communication skills are required in order to negotiate externally with clients and service providers (e.
g. legal counsel), and internally, often at a senior level. Provides advanced judgment and conducts in-depth quantitative or qualitative analysis to solve problems and develop new, innovative 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.
The Senior Structured Lending Transactor is an experienced lending product specialist and Credit Officer within the Investment Finance business, with direct client coverage responsibility.
The Senior Structured Lending Transactor 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 credit Facilities to clients.
Origination of Structured Lending Products, including Aircraft, Art, Secured Tailored and Unsecured finance, 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 capital return targets
Responsible for appropriate transaction structuring and execution (within product programs) 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)
Prepare and present transaction green light materials, including deal capital allocation
Review preparation of credit and
Prepare capital allocation Memos (as applicable)
Negotiation, obtaining and closing of credit documentation, ensuring compliance with all policies and coordinating with external counsel and Risk Management, as required
Participate in 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, or other areas of the Bank, to deliver against budget and to ensure processes meet the Bank’s highest standards.
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.
15+ years of experience as a Credit Officer (Senior Credit Officer, preferred)
Solid knowledge of financial markets, investments, banking and loan products
Aircraft, Art Financing experience would be ideal but not required
Excellent communication (written and verbal) and interpersonal skills
Strong financial and cash flow modelling
Strong knowledge of Citi’s Credit Policies and Product Programs
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
Bachelor's / University degree, Master's degree preferred
Job Family Group :
Private Client Product Services
Job Family :
IF Lending Generalist
Time Type :