Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. The core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients. With 200 years of experience helping our clients meet the world's toughest challenges and embrace its greatest opportunities. Citi is the global bank – an institution connecting millions of people across hundreds of countries and cities.

Citi Commercial Bank (CCB) is a global line of business at Citigroup that provides commercial banking services to mid-sized companies. CCB aspires to be the global bank of choice for trade-oriented companies, with revenues between $10MM – $3B. CCB wants our clients to see us as trusted thought partners who bring simplicity in an increasingly complex world, provide client-centric solutions for long term growth and pave the way for them to reach across borders and achieve their global vision. The main products and services, that support the Commercial Bank target segment, include: Lending, Cash Management, Trade, Foreign Exchange, Interest Rate Derivatives and Capital Markets solutions. CCB can extend banking services across all 90+ countries in Citi’s network.

The CCB UK+EMEA Loan Product & Capital Management Head will take primary responsibility for management of the CCB loan product, with an emphasis on defining and delivering a unique value proposition. This role is accountable for the development of a well-defined and consistent product offering across the region, the establishment of a strong risk and controls environment, and the delivery of sustainable business and loan portfolio growth.

The director will work closely with coverage and product teams across the globe as well as finance, risk, and credit underwriting partners to ensure that capital is allocated as effectively and efficiently as possible to promote strong revenues and returns.

The EMEA + UK Loan Product & Capital Management Head will report into the Global Head of Commercial Loan Product, Capital Management and Sustainability and to the Commercial Bank Cluster Heads (UK and EMEA). 

Responsibilities:

• Drive sustainable loan growth across the CCB target market thru strategic management of our loan product offering, its delivery channel, governance, risk and controls
• Develop a viable loan product offering taking into consideration the competitive landscape and the UK + EMEA CCB’s strategy
• Lead balance sheet and P&L financial planning
• Track and monitor loan product profitability and performance against identified targets, including monthly P&L attestations
• Lead the capital approval process for the Commercial Bank and analyze new loan and capital commitments on a risk-adjusted basis
• Ensure a consistent approach to transaction and client returns presentation across UK+EMEA coverage deal teams
• Oversee CCB submissions to senior internal balance sheet, capital, and transaction review forums
• Train coverage teams on pricing strategy, returns calculation and deal presentation to senior forums
• Assess and direct changes to the CCB loan product offering based on deals won vs. deals lost, evolving client and market demands, technology trends, and other existing and emerging threats within the commercial lending marketplace
• Conduct market research and competitor analyses to ensure our commercial clients have a best-in-class experience and designing and execute on identified improvement strategies
• Partner with Institutional Credit Management (ICM), O&T and Loan Operations to identify and prioritize opportunities to improve efficiency, control and the client experience across the E2E lending platform
• Direct and oversee all aspects of program life cycle management including market demands, technology trends, and regulatory requirements
• Partner with all up and downstream stakeholders to ensure CCB client and product needs are fully reflected in any shared platform design and operations

Knowledge/Experience:

• Experience in banking, product/loan management experience or related activities
• Experience leading cross-functional teams to define and achieve high value business goals
• Broad and diverse functional experience (e.g. marketing, credit, acquisitions, product development, analytics, technology)
• Demonstrated experience driving business innovation, leveraging management information, and data analytics to drive results
• Demonstrated knowledge of product development, financial acumen, and investment processes across asset classes
•  Ability to work unsupervised and adjust priorities quickly as circumstances dictate
• Ability to work under pressure and manage deadlines or unexpected changes in expectations or requirements
• Demonstrated analytical and influencing skills
• Consistently demonstrates clear and concise written and verbal communication

Qualifications:

• Undergraduate Degree, MBA a plus.
• High level of personal integrity and interest in building the business.
• Exceptional interpersonal skills with strong ability to influence and build consensus.
• Articulate in written and verbal communication skills
• Propensity for detail and comprehensiveness of content.
• Ability to multi-task and prioritize in an extremely time-sensitive environment.

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

 

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Job Family Group:

Commercial and Business Sales

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Job Family:

Commercial Product Sales

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Time Type:

Full time

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Most Relevant Skills

Please see the requirements listed above.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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