Lending Advisor

The Lending Advisor role is a strategic professional who closely follows latest trends in own field and adapts them for application within own job and the business. Recognized subject matter expert within several areas of lending including Art, Aircraft, Commercial Real Estate, Alternative Investment and Unsecured. Strong commercial awareness is a necessity. Is an acknowledged authority both within and outside area of expertise. Typically, a small number of people within the business that provide the same level of expertise. Excellent communication skills required in order to negotiate internally, often at a senior level. Some external communication is typically required. Provides advanced judgment and conducts in-depth quantitative or qualitative analysis to solve problems and develop new, innovative solutions. Required to think beyond existing solutions, assumptions or current knowledge of sophisticated areas. Significant impact on a function and/or the business through making decisions that determine technical approaches and strategies for the area.

Responsibilities:

• The Lending Advisor is an experienced lending product specialist and Credit Officer within the business, with direct client coverage responsibility. The Lending Advisor is required to have strong structuring skills, origination/marketing capabilities and sound credit judgment and has the responsibility to work with Private Bankers for completing the due diligence, underwriting, obtaining approval and reviewing/closing documentation for new Facilities to clients.
• Marketing and sale of the full Product range, including 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 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)
• Oversee preparation of credit and capital allocation Memos (as applicable)
• Oversee the Credit Approval write up, for both new deals and annual reviews
• 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
• 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.
• Participation in remedial management actions as required
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications:

• 10+ years of experience
• Strong and proven analytical, financial structuring and execution skills
• Strong marketing and sales skills
• Strong knowledge of Citibank’s Credit Policies, Product Programs and Citi Policies
• Good knowledge of financial markets, investments, banking and loan products
• Financial and cash flow modelling
• Excellent communication (written and verbal) and interpersonal skills
• Ability to work under pressure to tight deadlines
• Good negotiation skills
• Strong initiative and interactive approach to problem solving
• Displays flexibility and independence in a demanding environment
• Team player

Education:

• Bachelor's/University degree, Master's degree preferred

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## Job Family Group:

Private Client Product Services

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## Job Family:

IF Margin & Sec Backed Finance

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## Time Type:

Full time

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## Primary Location:

Dallas Texas United States

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## Primary Location Full Time Salary Range:

$170,000.00 - $300,000.00

In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

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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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## Anticipated Posting Close Date:

May 25, 2026

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

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