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LATAM IF Specialist

Job Req ID 22450725 Primary Location Miami, Florida Job Category Private Client Product Services
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An Investment Finance (IF) Specialist is an experienced Lending Product Specialist and Credit Officer within the Investment Finance business, with direct client coverage responsibility.  The IF Specialist is required to have strong structuring skills, sound credit judgement and strong portfolio management discipline.  An IF Specialist is expected to actively pursue the required career development and training in order to achieve the status of Business Senior Credit Officer. The IF Specialist has responsibility for generating IF product revenues, supporting the x-sell of the whole CPB platform, whilst ensuring maintenance of the highest credit standards. Experienced IF Specialists’ duties will also include coaching and development of junior resources in IF and balancing/prioritizing of workload taking into account type of deal and complexity. 


  • Structure and execute credit transactions in IF product range including Tailored, Aircraft financing, Art financing, unsecured financing.

  • Client calling and account planning in partnership with Private Bankers

  • Understand and anticipate clients' 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 and across 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)

  • Prepare EDAC (capital allocation approval) and Green light Memos (as applicable)

  • Oversee the Credit Approval write up, for both new deals and annual reviews

  • Responsible for all aspects of portfolio management including annual and interim credit reviews, covenant monitoring.

  • 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

    Participation in remedial management actions together with SARG as required

  • Lead the SOFR remediation of Structured lending deals which includes negotiating Spread adjustment with the clients

  • Collaborate with Legal team in amending and restating loan documents to reflect SOFR language

  • Establish coordination mechanism with Capital Markets team for documentation of Structured Lending loans with Swaps

  • Liaise with Citi central coordination team and manage SOFR milestones and target dates

  • Manage projects related to the standup of Wholesale Credit Management as relevant to Private Bank Latam


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.


  • Strong and proven analytical, financial structuring and execution skills
  • Strong marketing skills
  • Over 7 years’ experience as a Credit Officer
  • Broad knowledge of Citibank’s Credit Policies
  • Broad knowledge of financial markets, investments, banking and loan products
  • Financial and cash flow modelling
  • Private Banking lending experience is a must.


  • Excellent communication (written and verbal) and interpersonal skills
  • Fluent in Spanish and Portuguese
  • Ability to work under pressure to tight deadlines and multi-tasking
  • Good negotiation skills
  • Strong initiative and interactive approach to problem solving
  • Displays flexibility and independence in a demanding environment
  • Strong team player


Job Family Group:

Private Client Product Services


Job Family:

IF Lending Generalist


Time Type:

Full time


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Effective November 1, 2021, Citi requires that all successful applicants for positions located in the United States or Puerto Rico be fully vaccinated against COVID-19 as a condition of employment and provide proof of such vaccination prior to commencement of employment.

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