Residential Mortgage Lending Advisor

Citigroup Inc.; City Of London; On-site; GBP 60,000 - 80,000; Full time

Job summary

A leading global financial services company seeks a Lending Advisor to join its team in London. The ideal candidate will advocate for credit within the Private Banking sector, requiring expertise in residential mortgages, underwriting, and excellent client-facing skills. Responsibilities include leading mortgage sales efforts, partnering with Private Banker teams, and managing complex client needs. Competitive salary and benefits offered.

Qualifications

• Strong experience in UK Mortgage regulations.
• Extensive experience in ultra-high-net-worth lending.
• Ability to conduct financial modelling.

Responsibilities

• Lead internal sales for Residential Mortgage offerings.
• Partner with Private Banker teams to profile clients.
• Develop and implement marketing strategies for lending.

Skills

Mortgage Regulatory knowledge

Analytical skills

Financial structuring skills

Strong marketing skills

Sales skills

Knowledge of financial markets

Financial and cash flow modelling

Education

CeMAP (or equivalent)

Job description

The Lending Advisor is a key member of the Citi Private Bank (CPB) team of specialists, acting as a proactive and responsive product advocate for credit.

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 their client and prospect base, identify and analyze lending business opportunities, market lending product, including client calling and account planning. Participate in regional sales and product partner calls on regular basis. Conduct book reviews on a regular and recurring basis to uncover patterns of needs and opportunities for sophisticated, innovative solutions to clients.
• Build, promote and maintain adequate pipeline of opportunities to meet all Private Banking metrics and targets, including acquisition, production, balances, revenue, banker participation, etc.
• Run regular and recurring informational and educational sessions on credit topics with CPB Banker teams to increase awareness and improve knowledge base and lending acumen. Utilize success stories, market data, and best practices to build knowledge and skill set of CPB Banker teams on a consistent and recurring basis.
• Establish a reputation of execution and excellence. Delivers 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 specific 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.
• Functioning as part of a deal team that requires effective participation and contribution. Independently exert leadership and effectively orchestrate the assigned portion of the mortgage process. Leverage and coordinate other CPB product specialists to provide interdisciplinary expertise for our most complex clients.
• Assist with Residential Mortgage portfolio management and with Residential mortgage projects, across portfolio and technical developments of product/processes.

Qualifications

• CeMAP (or equivalent)
• Strong Mortgage Regulatory knowledge and experience in UK (and EU is preferable)
• Extensive UHNW lending experience
• Strong and proven 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

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 details: Private Client Product Services; Lending Generalist; Time Type: Full time.

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 race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

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