Credit Group Manager-GNI

Citibank - More jobs by this advertiser
Credit Group Manager-GNI-19008930
Description
 Position SummaryThe Commercial Lending Team Leader - Specialized position will be responsible for providing thorough, objective analysis of the financial condition and credit worthiness of borrowers, including prevailing Technology, Media and Telecommunication industries  and market conditions, as well as structuring recommendations. The Commercial Lending Team Leader is expected to own and lead the more complex credit/loan delivery process, including new money transactions, annual reviews, greenlight memo process, legal documentation and overall portfolio management of assigned credits.  In addition, the Commercial Lending Team Leader will have management responsibilities with respect to credit managers and officers with matrix oversight of the credit analysts. 
Key Responsibilities
  • Be a seasoned and experienced senior credit underwriting executive with a deep and relevant industry expertise of commercial and cross border lending and his/her assigned industry vertical
  • Facilitate the end to end credit approval process within the US CCB through management of an assigned team of Commercial Credit Officers
  • Provide business covering authority / Senior Credit Officer (SCO) signature approval in tandem with Independent Risk
  • Manage the workflow of underwriting requests for credit extensions and annual reviews; reviews CAS and credit memos, drafts term sheet with the Relationship Managers (RM)
  • Supervise the timely preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns to RMs and Mark and Area Managers for the assigned portfolio

·         Be an effective leader in complex transactions, including syndications, leveraged lending, and multi-level capital structures; work proactively, and in a constructive and diplomatic manner, with internal and external stakeholders to keep transactions moving smoothly
  • Develop and maintain a high performance loan underwriting team, with a focus on driving the quality of the teams’ work product, engagement, leadership, voice and partnership internally and externally with clients; set appropriate goals and provide timely feedback, coaching, and training to motivate and develop staff

·         Partner with client segment leadership to grow the loan portfolio responsibly within a defined industry vertical while ensuring appropriate asset quality levels and adhering to credit policy and regulatory requirements
  • Lead and supervise the loan documentation process for both new transactions and amendments or modifications; include coordination with relationship managers, Commercial Lending Specialist and inside and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately dimensioned in the closing documents and any exceptions prior to closing are communicated and approved by Independent Risk
  • Be fully knowledgeable of assigned portfolio and have the ability to interact with regulators, internal auditors and other internal constituencies in terms of providing information and addressing questions and comments
  • Act as the US TMT Industry Specialist supporting global initiatives and task forces in an advisory/ consultation capacity
  • Advise the Global CLM organization on local underwriting procedures for Emerging Growth and Later Stage Tech companies
  • Provide assistance in developing/refining and maintaining the appropriateness of global risk rating and classification frameworks for early stage Tech companies
  • As required, partner with other CCB Regions to advise on the credit underwriting and/ or structuring of transactions for credit relationships managed outside of the US; work with the Global Office on industry research and reporting
 Internal Partner Engagement
  • Relationship Managers and Client Segment Heads
  • Global Office and Loan Operations
  • CLM Head of Governance, Data & Productivity
  • Legal / Compliance / Risk
  • FCR/ Internal Audit/ Regulators

Qualifications
 Qualifications
  • Bachelor’s degree; advanced degree helpful but not required
  • 12+ years of experience in credit underwriting, portfolio and/ or risk management with a large multinational financial services organization is required
  • Business SCO signing authority or Business SCO candidate with credential expected within 12 to 24 months
  • Experience managing a team of commercial loan / credit underwriters; technically credible and demonstrates pragmatic business judgement, flexible thinking and a commercial instinct
  • Deep industry and credit expertise in his/her assigned industry vertical; ability to manage complex leverage finance and syndicated credit transactions
  • Expert credit resource who can move fluidly across a broad range of loan products, including secured and unsecured revolving lines of credit and term loans, syndicated loans, leveraged loans, asset based loans, bilateral loans, cross border lending, cards, cash management lines, and derivative lines of credit
  • Demonstrated understanding of legal documentation minimum standards and experience meeting all loan closing requirements; knowledge and proficiency in more complex legal documentation standards and requirements
  • Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
  • Excellent communication (written, verbal, presentation and listening) and organizational skills; ability to complete assignments in a timely manner
  • Strong early problem recognition and resolution skills
  • Capable of building consensus across functional silos and multiple stakeholders; ability to make decisions and take action with less than perfect information
  • Demonstrates learning agility: Seeks out resources and experience to build knowledge/skills. Quickly and successfully applies learning to new situations
  • Reaches decisions in a timely and transparent manner, knows when enough information has been collected to make sound decisions, takes calculated risks
  • Proficient in various spreadsheet and word processing applications (Excel and Word are preferred), including the use of graphs and charts, and Moody's financial analysis software
  • Self-starter with unlimited motivation to contribute to the broader team goals, as well as personal success
  • Unwavering enthusiasm with a commitment to excellence, tenacity, attention to detail and integrity
  • Willing to challenge the status quo, identifies new processes and/or systems to improve productivity and/or make the business more efficient
  • Embraces change, seeks innovation, and calm under pressure
  • Strong quantitative skills and systems aptitude
 
 
  EEO Statement: Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity  Pay Transparency: Citi won’t discriminate against anyone for discussing pay, but those with access to pay data in their work can’t disclose it unless responding to complaints/investigations or legal requirements.



16 March 2019
Location: United States Cadiz San Francisco
Work type:
Full time
Sector:
Banking and Financial Services
Profession:
Other
PLEASE! No enquiries from Recruitment Agencies or Headhunters.

Only direct applications will be considered.

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