Western European Commercial Lending Management Head
Commercial Lending Management (CLM) is the front office client facing function responsible for managing the end to end lending process. CLM credit officers work in partnership with the CCB Coverage team to conduct credit diligence and ensure transactions are appropriately structured, lead the preparation of the credit analytics/approval processes and provide the first approval on any extension of credit. CLM then works with Operations to ensure the approved credit is efficiently extended to our clients. The Western European CLM Head will be measured across five main scorecard objectives of Client Experience, People, Lending Process, Risk Management and Assurance.
This job is a key position for the CCB in EMEA, as we grow our Commercial Banking businesses across Western Europe. The role will involve the build out and leading teams of credit analysts in each country, with responsibility for sponsoring, structuring, recommending and approving credit facilities.
The job involves day.-to-day cooperation with local coverage, product partners and Risk in the various countries and as well as with CCB Regional Team
Coordinate activities of CLM analysts/approvers to ensure efficient credit process, fast turnaround times, and to assign credit relationships or new credit transactions to analysts in order to facilitate timely and appropriate credit approvals
Support Credit Analysts and Approvers in terms of credit risk assessment and transaction structuring
Supervise credit decision execution in terms of "follow ups" and additional credit requirements set by Credit Approvers and ensurecredit packages and related documents are submitted to Credit Approvers in a timelymanner
Establish priorities forCredit Analysts and Approvers in terms of processing annual credit reviews and newtransactions
Provide guidance toCreditAnalysts and Approversand becomea point of referenceforteam on Interpretation, applicationand compliance with Global Commercial Credit Policies
Take part in analysis, assessment and approval of credit applications
Lending Process Management:
Maintain strong focus on turnaround time (TAT) toimprove client experience and minimize adverseselection
Make recommendations toCountry and Regional seniors to improve credit processes
Encourage a risk differentiated approach toachieve efficient underwriting and lowerTAT
Manage implementation and enhancement of critical credit systems such as Citi1Credit and CRM
Staffing & Development:
Managing the CLM teams across Continental Western Europe
Set appropriate goals and provides timely feedback, coaching, training and challenging assignments to motivate staff and drive superior performance
Attract and retain good quality talent from inside or outside the Bank as required
Train, develop and coach team members to become good credit officers and serve as a talent pool for CCB Risk and coverage teams
Ensure that people management related tasks are executed in accordance with Citi policies and procedures, complying with statutory regulations and laws (e.g. recruitment, work orders, managing performance, etc.)
Take ownership for the team and implement Citi people management practices to ensure excellent employee experience in the course of the entire employee lifecycle (e.g. regular team and individual dialogues, development opportunities, "Voice of Employee" actions, etc.)
Act as a link between Coverage and Risk to facilitate strong cooperation to achieve financial and other goals
Partner with Relationship Managers in customer meetings, engaging clients' senior managers, as well as with external advisors and consultants
Work with Independent Risk to monitor external environment or any potential emerging risks which may have an impact on individual or overall credit portfolio
Complete additionally any other tasks in connection with the role but not detailed in the current job description, charged by the direct manager, supervisor, or the functional head
Knowledge and Experience:
Senior Credit Officer
10 years + of credit experience in the Banking & Finance industry with solid experience in People Management
Demonstrated knowledge of financial accounting and its practical application in the credit underwritingprocess
Broad based experiencein structuring credit agreements
Strong understanding of Commercial Banking business
Extensive negotiating experience
Strong analytical skills, including the ability to read and interpret company financial statements, cash flow, and industry and competitor analysis
Highly effective influencing skills, uses appropriate interpersonal and commination skills to gain acceptance of an idea, plan or activity
Attention to detail
Excellent organisational skills; able to complete assignments ina timely manner
Self-motivated with ability to work independently as well as in a team
Written Communications: writes clearly and succinctly; can get messages across that have the desired effect
Process Management: understands how to separate and combine tasks in to efficient work flow; can see opportunities for synergy and integration; can simplify complex processes
Bachelor’s/University degree, Master’s degree preferred and managerial experience
Job Family Group:Risk Management
Job Family:Credit Decisions
Time Type:Full time
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