Residential Real Estate Credit Specialist

23rd August 2022

Competitive

Client: Our Client is a Global Tier 1 private Bank

Role of the Real Estate Credit Specialist

The bank is a true global provider which specializes in lending against assets owned in other jurisdictions.

The Senior Transactor lends against securities held in for example Singapore to finance the purchase of a residential property in Europe, and is the first line of defence.

The bank has specialists around the world collaborating as one team to help deliver cross-border solutions. The Transactor takes the front seat as First line of defence in UHNW global Real Estate investments.

Opportunity for advancement over a longer term, and global career movement are all available to the right candidate.

Self-motivated
Problem solver
Subject matter expert
Enthusiastic
Team player
Stable history
- Are the core descriptive’ for the ideal candidate

Job details:

Key Responsibilities:

The IF Transactor is an experienced lending product specialist and Credit Officer within the Investment Finance business, with direct client coverage responsibility. The 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 completing the due diligence, underwriting, obtaining approval and reviewing/closing documentation for new Facilities to clients.
Marketing and sale of the full Product range, including client calling and account planning in partnership with Private Bankers.
Understand and anticipate client’s needs, following up with effective products and financial solutions.
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 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 the appropriate restructuring Dept.
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 behaviour, conduct and business practices, and escalating, managing and reporting control issues with transparency.