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Lending Advisor Generalist
About the Role
The Lending Advisor Generalist is a strategic professional who closely follows the latest trends in their field and adapts them for application within their role and the business. Recognised as a subject matter expert in a key area, this role requires:
- Strong commercial awareness as a necessity
- Authority both within and outside their area of expertise
- Specialised but limited take within the organisation (few peers with equivalent expertise)
This position demands advanced analytical judgment and in-depth quantitative or qualitative analysis to solve complex problems and innovate new, sophisticated lending structures. The role has significant business impact, shaping technical strategies and decision-making frameworks.
Key Responsibilities
The Lending Advisor Generalist oversees the origination, structuring, and close of lending facilities for private banking clients. Key duties include:
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Client Coverage & Origination:
- Work with Private Bankers to complete due diligence, underwriting, approval, and closing documentation for new lending facilities
- Drive the marketing and sales of all authorised product lines (e.g., capital markets, secured/structured lending) in collaboration with private banking partners
- Engage in client-facing activities (teleperformance, account maintenance, transaction discussions) to anticipate and meet client needs
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Credit & Deal Structuring:
- Foster sound credit judgment and ensure structuring, product selection, and execution align with client needs, business targets, and risk policies
- Maximise revenue generation while sustaining responsible, profitable lending growth (achieving minimum return targets)
- Comply with Citi Risk Policy, Credit Policy, and APPs (Approach to Product Development); ensure covenant appeal and documentation alignment
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Deal Management:
- Define and direct analytical activities of the deal team
- Negotiate credit frameworks (terms, covenants, collateral, effective dates)
- Oversee the preparation of credit memos (including capital allocation assessments)
- Author Credit Approval write-up for new deals, annual reviews, and amendments
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Documentation & Settlement:
- Lead negotiation, execution, and compliance tracking of lending agreements
- Coordinate with internal Risk, Legal, and External Counsel to ensure adherence to all regulatory requirements
- Handle early anomaly detection, risk classification, and appropriate flagging
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Problem Management & Remediation:
- Lead or participate in analytical remediation activities (e.g., internal monitoring or regulatory incidents)
- Conduct due diligence on relationships as part of periodic reviews
- Deploy recovery solutions (e.g., amends) or recommend special mention assessments when necessary
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Reputation & Compliance Commitment:
- Assess and align client requests with business needs, risk, compliance, and ethical standards
- Adhere to Citi’s CRA & PDMA Services Mandates; communicate effectively with stakeholders (business teams, internal auditors, regulators, government bodies)
- Spot early warning signs and escalate to management for swift resolution
Note: This role operates under the Certified Role Regime (subject to the Individual Accountability Regime); candidates will undergo strict fitness, character, and criminal record vetting.
Requirements
- Experience:
- Minimum 5+ years specialising in a credit product or lending solution expertise
- Proven track record in credit origination, risk structuring, relationship management (executive/officer level clients preferred)
- Technical Competencies:
- Financial modelling (cash-flow, collateral valuations) and spreadsheet proficiency
- Risk(s) and compliance in banking, corporate finance/lending strategies
- Fluency in prod-gram/facility structuring and execution tools (e.g., loan covenants, term sheets)
- Deep understanding of securitisation, asset finance, credit derivatives, or CAPM lending solutions
- Soft Skills:
- Persistent negotiation abilities; mastering external client interactions while performing high-level internal engagement (e.g., C-suite feedback)
- Architecture flexible opinions, altruistic emotional intelligence, to penetrate markets or business processes divergent to mission
- Complianceal Integrity with diligence obligations and ethical behavior
- Required Certifications (or proof of tracking):
- Knowledge of relevant risk frameworks, internal audits, regulatory reforms (as applicable for your region/international work)
Fitness & Propriety Assessment
Citi’s Certified Roles – including this one – are governed by UK/FCA and PRA prescribed principles of Individual Accountability. Successful candidates must:
- Demonstrate honesty, integrity, and marketplace reputation (without major NSFW intrigue)
- Show financial stability; transparency around known financial exposures or judicial disparities
- Proactive competence validation (e.g., Continuous Risk Training/Assessment Program)
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During the Interview Process, you’ll be garden-varied assessments including, but not limited to:
- Declarations (past conduct, legal history, gaming/betting losses)
- Psychological Evaluations (emotional control and ethical alignment)
- Background Health Checks & Financial Audits (loans, credit checks, due diligence at org level)
- Regular refresher assessments/training
Perks & Value Addition
- Competitive salary + variable incentives (linked to personal performance and business growth metrics)
- Personal support for ownership growth (peer/mentorship programs, structured skilling)
- Territorial flexibility – supporting economically incremental growth, subject to dynamic economic valuations and global business rules
Key Trends & Compliance Frameworks
Applicants should be aware of latest regulatory updates such as Basel III/regulations, IFRS, SOFR, and climate-risk assessments specific to private Banking operations.
About Citigroup
We are a #1 Women-in-Citi role here for people who want to deliver better outcomes for the world. Rewarding culture, fairness in promotions, and commitment to powerful representation. At Citigroup you will also enjoy a balanced work life, flexible work arrangements (remote work), career development and a wide range of employee benefits such as: discretionary inclusive equity compensation program and international team-based collaboration opportunities.
Citi’s Policy Statement on Equal Opportunity is available here:
""" „Citi is an Equal Opportunity Employer**: candidates may participate regardless of race, colour, sex, gender identity, religion, age, national origin, disability, genetic information, sexual orientation, military service affiliation, veteran status, or creed. ‚Citi fosters a culture of diversity and inclusion, where individual differences are recognised and valued and where rare individuals with special needs are guaranteed equal opportunity to be.**
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