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ICM - GSP Securitization Credit Management SVP

Job Req ID 23603036 Location(s) London, United Kingdom Job Category Risk Management
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The ICM (Institutional Credit Management) Portfolio Manager will hold a critical role within the Global Spread Products Financing and Securitization (GSP F&S) EMEA group administering a multi-billion dollar portfolio of asset securitization transactions financed primarily through the asset-backed commercial paper market.   The Credit Manager will cover multiple products within the business, which consists of various securitized asset classes (including auto, credit card, unsecured consumer loans, middle market loans, residential real estate) and Global Infrastructure Finance (GIF) transactions.  We are looking for an experienced professional to contribute and help provide a leadership role, which will incorporate overseeing and supporting multiple functions throughout the lending lifecycle of this business. The role will require correspondence with seniors in the business, seniors in risk management, as well as auditors & regulators.  The position will cover multiple portfolios within this broad risk category, although concentration of the workload may change or vary over time.

The function of the role is to oversee and support, include but are not limited to: portfolio analysis, risk identification, credit underwriting and risk analysis, data management, quality control, monitoring and reporting for wholesale credit businesses, requisite documentation, satisfaction of regulatory requirements and internal policy compliance. The manager in this role will help to oversee the junior portfolio managers and assist to ensure all credit risk related elements are captured timely (for initial approvals, annual reviews, quarterly reviews, renewals and amendments), accurately and validated by internal approvals and legal documentation, as well as having direct input and into the crafting of and overseeing the quality of the group's policies, procedures, standards as they relate to the management of wholesale credit risk.

This is an exciting opportunity to contribute to the management of multi-billion dollar portfolios across a number of products across GSP F&S.

Key responsibilities:

  • Perform leadership role with respect to the development of the team to support loan origination and lifecycle management across the spectrum of wholesale lending at Citi which includes large complex syndicated and bilateral loans within the structured lending spectrum
  • Monitor the ongoing compliance of transactions with the documented financing terms and conditions, portfolio performance and financial triggers and make appropriate recommendations with the aim of identifying and mitigating credit risks. Assist with classification and risk rating processes, decisions and monitoring
  • Closely partner with each of the originating and coverage business lines, credit risk and operations to institute and ensure effectiveness of controls and processes meet internal policies and regulatory requirements/expectations
  • Review and provide guidance or assistance on credit approval (transaction and/or annual review) and quarterly memos; assist in facility renewals, and funding, due diligence and required processes for new deals
  • Manage and contribute to the creation of processes, standards, procedures, controls, training, for risk, portfolio management across GSP F&S to enhance consistency and constantly deliver improvement
  • Conduct gap analyses and remediation work of any misalignments for policy changes
  • Assist with special projects including stress testing, portfolio concentration analysis, internal audit/FCR, Risk Rating processes, Credit Policies and Credit Programs across product groups
  • Play a supportive role in transaction restructuring, amendment, consent and waiver request with recommendation to Origination, Senior Credit Officer, and Independent Risk via Approval Memorandum
  • Oversee and maintain organized credit files for credit, regulatory, and compliance purposes
  • Perform quality control of the approval memos to ensure accuracy and completeness of input

Qualification and Experience

The candidate should have:

  • 10+ years of credit, portfolio management or structuring experience (preferably in structured finance/securitization) in a financial institution, rating agency, financial guarantor, or asset management firm
  • A strong interest in structured products and credit analysis
  • Strong knowledge of wholesale loan (syndicated / bilateral) product and business, including an understanding of legal loan documentation, loan / funding mechanics, deal structure, funds flows, etc.
  • Credit risk and underwriting experience
  • On track for Senior Credit Officer designation is a plus
  • Strong Microsoft Office skills. Modeling experience is a plus
  • Developed analytical and decision-making capabilities including the ability to identify, escalate, and propose and execute solutions to complex problems
  • Strong attention to detail – the team will have responsibility for due diligence and documentation of transactions to ensure that all risk and business points are covered
  • Oral and written communications skills enabling the candidate to effectively interact with internal and external constituents of all levels
  • The ability to work independently to meet deadlines and initiate ideas with other members of the GSP F&S team and Independent Risk to mitigate risk and maximize portfolio returns


  • Bachelor's degree/University degree or equivalent experience
  • Master's degree preferred


Job Family Group:

Risk Management


Job Family:

Credit & Portfolio Risk Management


Time Type:

Full time


Citi is an equal opportunity and affirmative action employer.

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.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

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