Institutional Credit Management, Commercial Real Estate Financing, Vice President

Institutional Credit Management (ICM) sits within the 1st Line of Defense and provides integrated “end-to-end” credit underwriting, identification, measurement, management, and monitoring for wholesale credit risk across the enterprise. Within ICM, the Credit Underwriting function (ICM-UW) provides analysis, assists with transaction structuring, and performs subsequent credit monitoring.

This Vice President (VP) position is aligned to the Commercial Real Estate (CRE) ICM-UW team, playing a critical role in supporting the CRE Financing business operating throughout APAC. The selected candidate must be able to evaluate complex and variable credit risk issues relating to a range of commercial real estate financing structures and transactions for a portfolio of strategic private equity and private credit investors, active throughout various APAC geographies (Australia/ New Zealand, Singapore/SEA, Hong Kong/Greater China and India).   

Additionally, the candidate will regularly assume informal/formal leadership roles within teams and will be involved in coaching and training of junior staff. The VP will have a significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Strong communication, diplomacy and leadership skills are required.

Responsibilities:

• Supporting business origination through the provision of timely and accurate financial analysis and recommendations regarding new transaction opportunities.

• Make well-articulated recommendations on credit decisions, including risk ratings and regulatory classifications, to achieve consensus with deal teams and Risk approvers.

• Support and confirm due diligence activities and preparation of credit memorandums during new deal origination. This may include some travel to tour/inspect new assets as part of the due diligence process.

• Conduct in-depth analyses of financial data and other information, assessing deal strengths, weaknesses and risk factors though research and evaluations from a wide variety of sources.

• Ensure credit approval packages are complete, accurate and thoroughly documented and ensure that all transactions follow regulatory and Citi guidelines, policies and procedures.

• Remain current on all aspects of the credit relationship, including exposure, compliance, and potential credit concerns.

• Conduct periodic credit monitoring reviews and update risk ratings and regulatory classifications accordingly.

• Maintain and update internal system records for credit approval and consent, and loan performance data for regulatory reporting.

• Inform bankers and 2nd Line of Defense of any deterioration in operating performance based on financial reporting.

• Ensure Credit Approval Memo (CAM) packages are complete, accurate and thoroughly documented and ensure that all transactions follow regulatory and Citi guidelines, policies and procedures.

• Support and Confirm deal team due diligence activities and preparation of CAMs during new deal origination.

• Verify data accuracy in collateral and facility records, for example, prepared by other internal partners.

• Support Senior members of the ICM team in making recommendations/credit decisions, including risk ratings and regulatory classifications as well as during internal audits and external regulatory exam responses.

• Fully conversant on prudent risk practices within Real Estate Credit including all policies, standards, procedures, and risk limits specific to their Portfolio.

Qualifications:

• 5-8 years relevant experience.

• A good track record of experience in a similar role. Previous experience working directly in Commercial Real Estate lending, structuring and execution in the financial services industry.

• Ability to apply credit and risk principles toward business goals.

• Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency.

• Highly organized and able to work in a fast-paced environment managing multiple projects and possess effective interpersonal, organizational and analytic skills.

• Solid organizational skills with ability and willingness to work under pressure and manage time and priorities effectively with little to no supervision.

• Highly effective written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority.

Education:

• Bachelor’s/University degree or equivalent experience

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Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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