Commercial Bank - Credit Officer AVP

Citigroup Inc.; London; On-site; GBP 60,000 - 90,000; Full time

Job summary

Un rôle stratégique au sein de Citi Commercial Bank à Londres, axé sur la souscription de crédits pour les entreprises du marché intermédiaire. Le candidat idéal aura une solide expérience en analyse financière et en gestion des risques, avec des responsabilités allant de la diligence raisonnable à la présentation d'analyses de crédit aux comités d'approbation. Ce poste offre l'opportunité de contribuer à la croissance d'une banque commerciale dynamique et d'interagir avec divers secteurs industriels.

Qualifications

• Expérience en souscription de crédits et analyse des risques.
• Capacité à préparer des résumés de crédit détaillés.
• Compréhension solide des produits et services de Citi.

Responsibilities

• Travailler avec les banquiers pour souscrire des demandes de crédit.
• Préparer des analyses de crédit et des projections financières.
• Gérer la documentation des installations après approbation du crédit.

Skills

Analyse financière

Gestion des risques

Négociation

Leadership

Education

Diplôme en finance ou domaine connexe

Job description

This new and exciting role is based in London (Canary Wharf) and has come about following Citi’s commitment and investment to support the international growth plans of UK Mid-Market businesses. Citi Commercial Bank UK (CCB UK) was established in 2016 to support UK headquartered Mid-Market businesses with a turnover range of $50m to $2.5bn. The success of the CCB UK team has led to considerable client growth and the provision of banking & financing solutions to numerous commercial banking clients across industry sectors - Business Services, Healthcare, Consumer, Industrials, Fintech and Digital/TMT.

This is a strategic professional who supports the growth of the UK Commercial Bank by underwriting transactions that meet the risk and return goals of the business. The candidate will be expected to lead credit due diligence with clients and will be responsible for the end to end delivery of credit requests internally.

Responsibilities:

• Work alongside bankers in underwriting requests for new and existing clients with ownership responsibility for the end to end credit process.
• Lead credit due diligence with clients and perform relevant industry and peer analysis.
• Prepare detailed written credit summaries by analyzing the business, performing detailed financial analysis, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision that meet the Business risk and return goals.
• Prepare credit ratings and financial projections in order to assess the repayment capacity of borrowers.
• Present credit analysis to approval committees and effectively answer questions when challenged.
• Manage, negotiate and execute facility documentation following credit approval.
• Stay abreast of developments within the global economy and designated industries in order to support problem recognition and the directional strategy of the business.
• Ongoing early warning monitoring and the preparation of annual credit reviews for a portfolio of clients.
• Maintain a solid understanding of Citi’s products and services and the unique commercial bank proposition.
• Work with colleagues globally to offer credit solutions to international subsidiaries understanding local market requirements.
• Maintain compliance with Citibank credit policies / practices and regulatory policies, to ensure the business unit is in adherence and receives satisfactory ratings from internal and external auditors.
• Aid business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels. Work with management team on prioritization and implementation of approved actions.
• Provide backup to Credit Underwriting Group Manager, lead projects and initiatives and mentor lower level Credit Officers as needed.
• Other duties as required to assist business unit and company goals

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Job Family Group:

Risk Management

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Job Family:

Credit Decisions

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Time Type:

Full time

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