Citigroup provides financings on a global basis to non-investment grade corporate clients for Leveraged Lending – Traditional Leveraged Finance, Other Non-Investment Grade, Asset Based Lending (ABL), and Energy Reserve Based Lending (ERBL) clients that come under the expanded regulatory definition of leveraged lending. Citigroup’s Banking Capital Markets & Advisory (BCMA) group acts as lead arranger for many of these issuers. 

Citi’s Leveraged Finance Group in the Capital Markets Origination (CMO) group is focused on serving clients in the financing of acquisitions, mergers, buyouts, recapitalizations and spinoffs. Citi works with private equity clients that have substantial assets under management, an established investment history, as well as public corporates with significant capital markets wallet. Key products include revolving credit facilities, term loans, bridge facilities, bonds, ABLs and ERBLs. Transactions also include funding of operations, capital expenditure financings and refinancings. For selected clients, the credit product set is augmented with foreign exchange, derivatives and cash management. 

The North America (NAM) Leveraged Finance Credit Risk Portfolio Banker works closely with the Leveraged Finance Credit Risk Manager and the team and the Leveraged Portfolio Group (LPG) to ensure effective portfolio management, make approval recommendations for underwritings and holds on Leveraged Lending transactions, refinancings and amendments and timely monitoring of the Leveraged portfolio.

This role is expected to support risk and diligence issues, industry trends, capital structure, exposure management, syndication strategy, terms and returns. A critical objective is to provide management and guidance such that this high-risk business remains within appropriate risk tolerances. Under the expanded regulatory Leveraged Lending definition, this function serves to coordinate various firm-wide processes for other Non-Investment Grade clients and demonstrates responsible behavior by both tone and actions in daily management. 

Key Responsibilities:

• Participate in screening/reviews and approvals for non-investment grade holds and underwritings.
• Monitoring of the NAM leveraged loan and high yield portfolio with focus on timely syndication of underwritten positions, performance and classification of hold book and hedging of outsized or underperforming assets.
• Participate in team discussions on strategic and exposure management decisions.
• Work with partners in LPG, which is part of Institutional Credit Management (In-Business Risk).
• Track credit approvals, declines and credible challenges or improvements to credit structures by Risk.
• Support Leveraged Finance Portfolio Managers globally on requests from Senior management, FCR, Audit and regulators.
• Handle and make recommendations on requests for ancillary facilities such as derivatives, cash management, and international lines.
• Ongoing Portfolio management and monitoring activities involving annual and quarterly reviews, emerging risks and accuracy of risk ratings.
• Exercise leadership to address due diligence, capital structure and syndication issues.
• Protect the firm against franchise and reputation risk.
• Support underwriting limit compliance and solutions.
• Coordinate with LPG on portfolio management and reporting.
• Assist with ad-hoc requests and special projects.

Competencies/Knowledge:

• Unquestioned ethics and good credit judgment.
• Understanding of heightened regulatory expectations of an institution such as Citi.
• Appropriate risk appetite with respect to size of individual underwritings, overall book of deals, leverage levels and hold positions.
• Commitment to independent views and transparency in decision making.
• Discipline in making appropriate risk-reward decisions.
• Robust collaboration across the firm.
• Strong influencing and negotiating skills.
• Strong conflict management skills.
• Superior verbal and written communication skills.
• Well-developed time management skills for a high volume of transactions, often with short timetables.
• High sense of equanimity relative to competing pressures.

Qualifications:

• Current SCO (or external equivalent) approval authority. Minimum of 5 years of relevant experience.
• Experience in a complex, matrixed organization focused on credit approval, governance, controls, risk management at a top-tier institution.
• Proven strong analytical and credit analysis skills with good attention to detail.
• Successful risk management role spanning a range of products and industries.
• Knowledge of corporate finance concepts and leveraged finance preferable.

• Bachelor’s degree required, preferably in business, finance or related field.
• Excellent oral and written communications skills.
• Capable of prioritizing and multi-tasking in a dynamic, fast paced environment.

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

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