Lending Advisors

Citigroup Inc.; City of Westminster; On-site; GBP 90,000 - 130,000; Full time

Job summary

Citigroup Inc. seeks a Lending Advisor to partner with Citi Private Bankers, advising on new loan and refinancing opportunities and restructuring existing loans as part of clients’ capital management.

You will join meetings, identify bespoke lending solutions, and ensure high-quality execution while growing the EMEA portfolio in line with Citi Wealth lending growth ambitions. The role requires strong communication, negotiation, and analytical skills, with a focus on strict adherence to control

Qualifications

• Experience in UHNW lending origination and credit/collateral analysis in a private bank.
• Expert knowledge in structured lending and bespoke lending solutions.
• Ability to advise clients and creatively structure sophisticated loan proposals.

Responsibilities

• Establish and maintain a strong partnership with Citi Private Bankers to identify lending opportunities.
• Join client and prospect meetings with Bankers to raise awareness of lending solutions.
• Advise clients and Bankers on bespoke lending solutions and drive execution excellence.
• Build and maintain a strong pipeline of lending opportunities across EMEA while ensuring compliance.

Skills

UHNW lending origination

Credit/collateral analysis

Structured lending

Negotiation skills

Communication skills

Education

Bachelor's Degree or equivalent experience

Job description

Our Lending Advisors partner with Citi Private Bankers to advise clients on new loan and refinancing opportunities along with restructuring existing loans as part of clients overall capital management. We have Lending representation across 8 countries to provide seamless coverage to our Global clients. Lending Advisors provide advice across a variety of asset classes ranging from complex marketable securities loans and less liquid financial assets including Private Equity and Hedge Funds, commercial real estate to more bespoke personal assets such as aviation, fine art and collectibles. Responsibilities include:

• Establish and maintain a strong partnership with the Citi Private Bank ("CPB") Banker teams to proactively identify lending opportunities with their clients and prospects through account planning.
• Join client and prospect meetings with Bankers to raise awareness of the solutions that are available.
• Advise clients and Bankers on appropriate bespoke lending solutions and drive a culture of excellence in execution in the region.
• Establish a reputation of execution and excellence in execution for clients.
• Act as the subject matter expert and first line of control lending opportunities. The Lending Advisors partner with in-business Underwriting team and 2nd line risk to pre-screen requests and structure bespoke loan proposals that meet the client need while managing overall Firm targets.
• Build and maintain a strong pipeline of lending opportunities to grow the EMEA portfolio as part of the wider Citi Wealth lending growth aspirations. Ensuring effective and consistent compliance to control standards
• Managing expectations through strong communication with clients and their Bankers
• Coordinate with Business Managers and Finance functions to assist in growth planning, capital optimization and team communication, 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.

• A good track record of experience in UHNW lending origination and credit/collateral analysis in a private bank
• Expert knowledge in structured lending
• Ability to advise clients and where appropriate creatively structure sophisticated solutions to help clients meet their objectives
• Experience with assessing and structuring loans secured by a variety of asset classes including complex marketable securities loans and less liquid financial assets, commercial real estate to more bespoke personal assets such as aviation, fine art and collectibles.
• Ability to advise clients on optimal loan structure and think creatively in delivering market leading solutions.
• Excellent oral and written communication skills
• Strong negotiation skills
• Strong initiative and interactive approach to problem solving
• Detail oriented with strong analytical skills
• Strong collaboration skills in a team environment
• Desire to drive growth in a dynamic business.
• Bachelor's Degree required (or equivalent experience)

Working at Citi is far more than just a job. A career with us means joining a team of approximately 219,000 dedicated people from around the globe. At Citi, you'll have the opportunity to grow your career, give back to your community and make a real impact.