The Investment Finance Real Estate Sr Group Mgr manages multiple teams through other managers. In-depth understanding of how Real Estate contributes to achieving the objectives of the Investment Finance in the Private Bank. A good understanding of the Real Estate industry, direct competitors' products and services, is also necessary in order to contribute to the commercial objectives of the business. Requires thorough understanding of strategic direction of the Investment Finance within the CPB AP, combined with a solid conceptual/practical grounding in both Commercial and Residential Real Estate finance structuring and general commercial credit.. Excellent communication skills required in order to negotiate internally, often at a senior level. External communication/negotiation would be necessary. Responsible for executing Real Estate finance strategy within Investment Finance. . Determines approach to implementing Real Estate strategy. Accountable for end results, budgeting, planning, product programs design and contribution to future strategy of Investment Finance. Impact reflects size of team managed, strategic influence on the business and interaction with other functions (e.g. Risk, Legal, Compliance) or businesses (e.g. Global Commercial Real Estate group, etc.). Full management responsibility for multiple teams, including management of people, budget and planning, to include duties such as performance evaluation, compensation, hiring, disciplinary actions and terminations and budget approval. May be doing involved or responsible for diverse (cross-discipline) activities. Position is a direct report to a Managing Director Head of CPB Asia Investment Finance.
Works with the Regional Investment Finance head to execute the product business strategy and deliver annual budgets and targets
Revenue generator in own right, also lead team of Transactors providing oversight, mentoring, coaching and supports them in origination and transaction structuring as needed.
The Investment Finance Transactor is an experienced lending product specialist and Credit Officer within the Investment Finance business, with direct client coverage responsibility. The Investment Finance Transactor is required to have strong structuring skills, origination/marketing capabilities and sound credit judgment and has the responsibility to work with Private Bankers for client calling, as well as completing the due diligence, underwriting, obtaining approval and reviewing/closing documentation for new credit facilities to clients.
Understand and anticipate clients' needs, following up with effective products and financial solutions
Maximize revenue generation whilst achieving at least minimum capital return targets ensuring responsible lending growth
Serve as member in relevant product governance forum and attend regional governance meetings as appropriate
Responsible for appropriate transaction structuring and execution (within 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 credit and capital allocation 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
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.
Participation in remedial management actions together with SARG as require
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.
Strong and proven analytical, financial structuring and execution skills
Strong marketing skills
15+ years' experience as a Credit Officer
Strong knowledge of Citibank's Credit Policies, Product Programs and Citi Policies
Good knowledge of financial markets, investments, banking and loan products
Financial and cash flow modelling
Excellent communication (written and verbal) and interpersonal skills
Good negotiation skills
Strong initiative and interactive approach to problem solving
Displays flexibility and independence in a demanding environment
Job Family Group: Private Client Product Services Job Family: IF Lending Generalist Time Type:
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