Credit Specialist II – Branded Consumer/Retail/Healthcare at Citi (New York)

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Citi

Credit Specialist II - Branded Consumer/Retail/Healthcare

Citi
New York
Reference: 18020516



About Citi:

Citi, the main international financial institution, has roughly 200 million buyer accounts and does enterprise in additional than one hundred sixty nations and jurisdictions. Citi offers shoppers, firms, governments and establishments with a broad vary of monetary services, together with shopper banking and credit score, company and funding banking, securities brokerage, transaction providers, and wealth administration. Our core actions are safeguarding belongings, lending cash, making funds and accessing the capital markets on behalf of our shoppers.

Citi's Mission and Worth Proposition explains what we do and Citi Management Requirements clarify how we do it. Our mission is to function a trusted companion to our shoppers by responsibly offering monetary providers that allow progress and financial progress. We attempt to earn and keep our shoppers' and the general public's belief by continually adhering to the very best moral requirements and making a constructive influence on the communities we serve. Our Management Requirements is a standard set of expertise and anticipated behaviors that illustrate how our staff ought to work each day to achieve success and strengthens our potential to execute towards our strategic priorities.

Variety is a key enterprise crucial and a supply of power at Citi. We serve shoppers from each stroll of life, each background and each origin. Our aim is to have our workforce mirror this similar variety at all ranges. Citi has made it a precedence to foster a tradition the place the perfect individuals need to work, the place people are promoted based mostly on benefit, the place we worth and demand respect for others and the place opportunities to develop to are extensively obtainable to all.

POSITION SUMMARY

The Business Banking Business Lending Specialist II - Specialised CLM place might be liable for offering thorough, goal evaluation of the monetary situation and credit score worthiness of debtors, together with prevailing business and market circumstances, in addition to structuring suggestions. The Business Lending Specialist II is predicted to personal and lead the extra complicated bilateral / specialised credit score/mortgage supply course of, together with new cash transactions, annual evaluations, Greenlight memo course of, authorized documentation and general portfolio administration of assigned credit.


POSITION RESPONSIBILITIES

• Act as a pacesetter and when it comes to facilitating the completion of the top to finish credit score course of; as related and as wanted, present Enterprise overlaying authority / SCO signature approval in tandem with Unbiased Danger SCO.

• Present main help and partnership to Relationship Managers and Business Lending Specialist I for extra complicated credit score processes and portfolio monitoring to make sure the portfolio maintains robust high quality, whereas facilitating progress of the portfolio
• Assessment CAS and credit score memos, drafts time period sheet with the RMs. Proactively determine points and/or considerations.
• Lead and handle each the early socialization (preliminary due diligence) and Greenlight course of with RMs, Business Lending Specialist I and Analysts and Associates.
• Means to handle extra complicated transactions and be capable of contribute independently in shopper conferences and keep excessive degree dialogue with firm administration, together with the Chief Monetary Officer and Chief Government Officer.
• Keep in depth information within the numerous services provided within the Business Banking Enterprise that require credit score publicity.
• The Business Lending Specialist II works intently with senior administration, RMs, and Unbiased Danger to make sure that the credit score perform stays in compliance with Financial institution and regulatory insurance policies.
• Be absolutely educated of assigned portfolio and area and have the power to work together with FCR, Inner Audit and different inner constituencies when it comes to offering info and addressing questions and feedback.
• Lead and supervise the mortgage documentation course of for each new complicated transactions and amendments or modifications. This consists of coordinating interplay with the RM, Business Lending Specialist I and inside and/or outdoors authorized counsel to make sure that all credit score approval phrases and circumstances are appropriately dimensioned within the closing paperwork and any exceptions previous to closing are communicated and authorised by Unbiased Danger.
• Advocate modifications to present course of to realize higher effectivity.
• Guides and mentors Credit/Lending Specialists I and Analysts and Associates.

EXPERIENCE

• Bachelor's diploma in finance, economics or accounting; Grasp's diploma in finance or accounting (most popular)

• 15 years expertise working in a monetary establishment in a credit score position, ideally with formal credit score coaching.

• Broad based mostly expertise in structuring bilateral credit score agreements / specialised underwriting and structuring expertise in particular business together with syndications and participations.

• Enterprise SCO signing authority or Enterprise SCO candidate with credential anticipated inside 12 to 24 months.

SKILLS/ABILITIES

• Potential to handle complicated bilateral credit score transactions/specialised syndications and participations
• Robust analytical expertise together with the power to learn and assess particular person and firm monetary statements, money move, business and aggressive evaluation and projections
• Expertise in money stream, leveraged, borrowing base and proprietor occupied business actual property mortgage buildings.
• Demonstrated understanding of authorized documentation minimal requirements and expertise assembly all mortgage closing necessities; information and a few proficiency in additional complicated authorized documentation requirements and necessities.
• Capacity to deal with excessive quantity, work underneath strain/deadlines and prioritize.
• Demonstrated information of intermediate accounting concept and its sensible software within the credit score underwriting course of.
• Proficient in numerous spreadsheet and phrase processing purposes (Excel and Phrase are most popular), together with using graphs and charts, and Moody's monetary evaluation software program/CAT.
• Wonderful organizational expertise, consideration to element, and the power to finish assignments in a well timed method.
• Wonderful written and verbal communication expertise that permit for interplay with shoppers and prospects throughout preliminary conferences and all through the underwriting course of and ongoing shopper relationship.
• Robust early drawback recognition and determination expertise.
• Should have the ability to formulate questions and tackle points/considerations in a staff surroundings and in addition on an unbiased and stand-alone foundation with the Shopper.

• Bachelor's diploma in finance, economics or accounting; Grasp's diploma in finance or accounting (most popular)
• 15 years expertise working in a monetary establishment in a credit score position, ideally with formal credit score coaching.

• Broad based mostly expertise in structuring bilateral credit score agreements / specialised underwriting and structuring expertise in particular business together with syndications and participations.

• Enterprise SCO signing authority or Enterprise SCO candidate with credential anticipated inside 12 to 24 months.

SKILLS/ABILITIES

• Capability to handle complicated bilateral credit score transactions/specialised syndications and participations
• Robust analytical expertise together with the power to learn and assess particular person and firm monetary statements, money circulate, business and aggressive evaluation and projections
• Expertise in money move, leveraged, borrowing base and proprietor occupied business actual property mortgage buildings.
• Demonstrated understanding of authorized documentation minimal requirements and expertise assembly all mortgage closing necessities; information and a few proficiency in additional complicated authorized documentation requirements and necessities.
• Potential to deal with excessive quantity, work beneath strain/deadlines and prioritize.
• Demonstrated information of intermediate accounting concept and its sensible software within the credit score underwriting course of.
• Proficient in numerous spreadsheet and phrase processing purposes (Excel and Phrase are most popular), together with using graphs and charts, and Moody's monetary evaluation software program/CAT.
• Wonderful organizational expertise, consideration to element, and the power to finish assignments in a well timed method.
• Wonderful written and verbal communication expertise that permit for interplay with shoppers and prospects throughout preliminary conferences and all through the underwriting course of and ongoing shopper relationship.
• Robust early drawback recognition and determination expertise.
• Should be capable of formulate questions and tackle points/considerations in a group surroundings and in addition on an unbiased and stand-alone foundation with the Shopper.

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