Investment Finance Transactor

About Citi
Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients.

Citi’s Mission and Value Proposition explains what we do and Citi Leadership Standards explain how we do it. Our mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. We strive to earn and maintain our clients’ and the public’s trust by constantly adhering to the highest ethical standards and making a positive impact on the communities we serve. Our Leadership Standards is a common set of skills and expected behaviors that illustrate how our employees should work every day to be successful and strengthens our ability to execute against our strategic priorities.

Diversity is a key business imperative and a source of strength at Citi. We serve clients from every walk of life, every background and every origin. Our goal is to have our workforce reflect this same diversity at all levels. Citi has made it a priority to foster a culture where the best people want to work, where individuals are promoted based on merit, where we value and demand respect for others and where opportunities to develop to are widely available to all.

Brief Description of the Organization
CBNA is the primary legal entity for Citi, providing products and services to consumers, financial institutions and corporate clients around the world. In the past, Citi has provided most of its internal reporting on a business by business basis. With the changes in the regulatory environment, strong legal entity reporting and governance has become essential. This team is responsible for ensuring that CBNA has the appropriate governance and control infrastructure to meet the demand for legal entity planning, execution, information management and the ever-evolving regulatory environment.

Description of the Position
An Investment Finance (IF) Transactor is an experienced Lending Product Specialist and Credit Officer within the Investment Finance business, with direct client coverage responsibility. The IF Transactor is required to have strong structuring skills, origination/marketing capabilities and sound credit judgement. An IF Transactor is expected to actively pursue the required career development and training in order to achieve the status of Business Senior Credit Officer. The IF Transactor has responsibility for generating IF product revenues, supporting the x-sell of the whole CPB platform, whilst ensuring maintenance of the highest credit standards. Experienced IF Transactors’ duties will also include coaching and development of junior resources in IF and balancing/prioritizing of workload taking into account type of deal and complexity.

Job Overview

• Marketing and sale of the full IF Product range, 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 at least minimum return targets ensuring responsible lending growth
• Responsible for appropriate transaction structuring and execution (within and across product programs) with appropriate risk and return characteristics, 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)
• Oversee preparation of EDAC and Green light Memos (as applicable)
• Oversee the Credit Approval write up, for both new deals and annual reviews
• Negotiation, obtaining and closing of credit documentation, ensuring compliance with all Citi and external policies and coordinating with external counsel and Risk Management, as required
• Responsible for the early problem recognition process and must propose, when deemed appropriate, credit classification and appropriate risk rating on specific transactions/ relationships
• Participation in remedial management actions together with SARG as required

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, auditors or other areas of the Bank, to deliver against budget and to ensure processes meet the Bank’s highest standards.

• Strong and proven analytical, financial structuring and execution skills
• Strong marketing skills
• Over 7 years’ experience as a Credit Officer
• Broad knowledge of Citibank’s Credit Policies
• Broad knowledge of financial markets, investments, banking and loan products
• Financial and cash flow modelling
• Excellent communication (written and verbal) and interpersonal skills
• 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
• Team player