Citi Global Wealth

**About Lending Transactor Role**
- Excellent understanding and experience of Insurance Financing originations (Private Banking and/or Consumer banking), process flows, country and regional regulations, market practices and product features. Good understanding of Insurance industry regime and various product types.
- The Lending Transactor is an experienced lending product specialist and Credit Officer within the Investment Finance business, with direct client coverage responsibility. The Lending Transactor is required to have strong structuring skills, origination/marketing capabilities and sound credit judgment, excellent portfolio management skills and has the responsibility to work with Private Bankers for completing the due diligence, underwriting, obtaining approval and reviewing/closing documentation for new Facilities to clients.
- Understand and anticipate clients' needs, following up with effective products and financial solutions including client calling and account planning in partnership with Private Bankers
- Maximize revenue generation whilst achieving at least minimum return targets ensuring responsible lending growth.
- 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 teams.
- 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.
- Work closely with the product manager to identify opportunities arising from credit transactions to standardize documentation, streamline processes working with stakeholders in underwriting, loan process & transaction management, Product & Risk team to ensure superior client experience.
- 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 required.

**Qualifications**:

- Strong and proven analytical, financial structuring and execution skills.
- Excellent knowledge of Private Banking and/or Consumer banking Insurance financing product program and portfolio management.
- 10+ years’ experience as a Credit Officer along with atleast 5 years in Insurance financing.
- Strong knowledge of Citibank’s Credit Policies, Product Programs and Citi Policies will be a key differentiator.
- Good knowledge of financial markets, insurance 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.
- Excellent Leadership skills.
- Strong marketing skills.

**Education**:
Bachelor's/University degree, Master's degree preferred.

**About Citi Global Wealth**:
Global wealth continues to grow world-wide at an unprecedented pace. Citi’s global footprint and ability to service clients holistically position us to become an industry leader in wealth. The recent formation of **Citi Global Wealth (CGW)** as Division of Citi, with over 8,000 employees, has drawn together insights, experience, and assets from across the Global Consumer Bank, the Private Bank, and the broader Institutional Clients Group. **Citi Global Wealth** is a Division of Citi focused on serving the needs of clients across the entire wealth spectrum. It generates over $6.6 Billion of Revenue across its global footprint in Asia, EMEA, Mexico, and North America. **CGW** propositions are delivered via tailored offerings across Citigold, Citigold Private Client, and Citi Private Bank brands.

By building on the combined strengths of Citi business divisions, CGW will transform the way we serve clients across the wealth spectrum to deliver the full range of high tech and high touch capabilities Citi can offer and ultimately help them achieve their goals.

**Citi Global Wealth **will be relentlessly focused on our Clients from Emerging Wealth to Ultra-high Net Worth - whether it’s access to investment opportunities and advice, tools and analytics, a focus on environmental, socia