Loan Lawyer/ Structurer jobs at Citi Group in United States, New York

The Loan Syndications Associate will be responsible for providing analytical and execution support to deliver customized debt solutions to Citi’s Commercial Bank clients. The Loan Syndications Associate is a critical member of a deal team, working directly with Vice Presidents and Senior Transactors as well as with colleagues across multiple groups in the bank to originate and execute transactions.Responsibilities:

• Support deal origination by drafting pitch materials incorporating an analysis of capital structure, credit profile, publicly available data on companies and transactions, and industry research.
• Prepare market comparables, initial due diligence lists, deal pre-screen presentations, and draft indicative term sheets.
• Tracking and summarizing loan market conditions in client materials, with a focus on the Middle Market segment of the US Loan Market.
• Execute lead-arranged transactions by preparing organization books, drafting marketing materials (Confidential Information Memorandums, lender presentations, and pre-screening memorandums), organizing and managing bank meetings, participating in and tracking lender interaction and diligence, and managing the deal closing process.
• Support the review of financing documents, including commitment letters, fee letters, engagement letters, and credit agreements.
• Coordinate with other groups within Citi, including Coverage, Underwriting, Risk, and Operations as well as other product groups to meet pitch and deal-related deliverables and deadlines.
• Developing and maintaining effective industry relationships with legal counsel, external parties, clients (in collaboration with senior coverage officers).
• Developing and maintaining effective industry relationships with clients, lenders, legal counsel, and external parties (in collaboration with VPs and Senior Transactors).
• Develop business and credit judgment as well as to provide balanced assessments in working with internal team members and partners.
• Maintain a strong attention to detail, deliver high quality work product, and complete work in assigned timeframes.

Qualifications:

• 2-3 years of banking experience, preferably with loan syndication, asset-based finance, or capital markets experience
• Completion of formal credit training program preferred
• Fundamental credit skills, including demonstrated ability to evaluate business, industry, financial performance, and structure/terms
• Strong financial and analytic skills, including proficiency with financial modeling and ability to rapidly assimilate complex information
• Excellent command of Microsoft Suite, with an emphasis on PowerPoint and Excel
• High level of energy, enthusiasm, and motivation
• Team player, able to facilitate strong partnerships
• Detail-oriented individual with strong organization ability and excellent communication, writing, and presentation skills
• Obtain and maintain required FINRA registration and licensing

Education:

• Bachelors/University degree or equivalent experience

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

Anticipated Posting Close Date:

Anticipated Posting Close Date:

Consistency: GMI defines and oversees processes associated with the issuance of Structured Notes within Citi, guiding and supporting multiple stakeholders and partners through a consistent operational framework for all, in respect of this activity.

Governance is critical:

Structured note issuance is highly regulated and cuts across several Markets activities, for which an efficiently designed and executed product governance framework is essential.

In GMI’s business, governance requires identifying and managing risks against our defined risk appetite. This is done through data provision and analysis, decision-making and credible challenge from the first, second and third lines of defence followed by agreed actions to keep risk profile within appetite.

This facilitates proper risk monitoring, findings reporting and follow up on issue resolution.

The role:

This role will support the team’s goals, including financial performance, product service and process optimization, client experience and strategic growth initiatives, with strong focus on the design, implementation and monitoring of the complex processes associated to a business dedicated to structured notes issuance. The job requires a comprehensive understanding of the structured products business activities (derivatives, issuance programs, issuer management, treasury) as well as strong organizational skills.

Key tasks:

• Collaborate in improving GMI’s operating model, defining and implementing an in-business governance framework consistent across regions and products, to achieve excellence in business results, while avoiding unnecessary complexity. Streamlining processes will be needed for success.
• Conduct GMI’s broad activity governance-related processes ensuring active participation from all relevant partners and stakeholders, especially those in Risk & Controls, with focus on Legal Entity, Operations and Regulations.
• Organization of monthly GMI Governance Forum sessions, supporting content definition, data gathering and active participation in collaboration with all partners and stakeholders.
• Maintain oversight over emerging and existing risks, issues, control weaknesses, control processes, corrective actions, control validations, and control enhancement initiatives.
• Partner effectively with 2nd Line of Defence teams and support functions to identify best practices and contribute as appropriate to related policies and initiatives.
• Uplift Legal Entity management and related control processes, with tasks including: refining roles & responsibilities regarding Legal Entity management impacting issuance, including their continued ownership for some of them; active involvement in CGMFL’s corporate governance activities; support of Citi Inc. and CGMHI issuance governance matters.
• Regulation oversight: i) regulation mapping with holistic approach (horizon scanning and regulatory implementation); ii) participation in Trade/Industry associationsworkshops/consultations;and iii) compliance tracking. For i) and ii), it is expected from the role the formulation of informed perspectives, the ability to influence decisions, and the determination of viable implementation strategies, providing issuance business points of views (cross-asset andcross-jurisdictions).
• Operations oversight: improve GMI's oversight on operational matters impacting issuance activities and associated life cycle management, defining and monitoring (including root cause analysis) better business metrics/KPIs in collaboration with Operations and Business Execution
• Collaborate in defining and implementing a better model for Data Governance within GMI, to ensure mining processes can be performed consistently and efficiently. Elements to consider will include data architecture definition (sources, ownership, quality, maintenance), coordination with Asset Classes on data originated and managed at business level (e.g. margins/spreads, pricing systems performance) and user empowerment for data exploitation (guidance, training, tool provision).

Qualifications

• Deep understanding of Markets products and activities.
• Experience in product governance matters, strong expertise in identifying and managing operational risks.
• Proven capacity to thrive under pressure, adhere to deadlines, prioritise and manage multiple projects in a fast paced, highly matrix, dynamic environment.
• Ability to work effectively in a cross-functional organization
• Outstanding written and verbal communication abilities. Candidate is expected to produce clear and concise written and verbal communication at different seniority levels, articulating complex problems and solutions through concise and clear messaging.
• Proficiency in legal affairs: The candidate must possess a strong understanding of regulatory, legal and governance policies and procedures. Such knowledge will be crucial for formulating informed perspectives, influencing decisions, and determining viable implementation strategies. Comfort and confidence in navigating legal matters are imperative for this role.
• Proven capacity to excel in a team environment and collaborate with peers. It is essential for the candidate to be able to guide decision-making processes and drive strategic initiatives in a collaborative manner, ensuring alignment and fostering a positive work environment.
• Demonstrated ability to exercise sound judgment, making autonomous decisions with minimal supervision when required. This includes the capacity to analyse complex situations, identify potential solutions, and select the most appropriate course of action
• To be a proactive, innovative thinker, able to deliver change through constructively challenging the status quo and enhance efficiency, while adhering to the highest risk management and governance standards.
• Extensive experience in Markets activities.
• Up to date understanding of key risk and control concepts, tools and risk trends.

Anticipated Posting Close Date:

The Loan Syndications Associate will be responsible for providing analytical and execution support to deliver customized debt solutions to Citi’s Commercial Bank clients. The Loan Syndications Associate is a critical member of a deal team, working directly with Vice Presidents and Senior Transactors as well as with colleagues across multiple groups in the bank to originate and execute transactions.Responsibilities:

• Support deal origination by drafting pitch materials incorporating an analysis of capital structure, credit profile, publicly available data on companies and transactions, and industry research.
• Prepare market comparables, initial due diligence lists, deal pre-screen presentations, and draft indicative term sheets.
• Tracking and summarizing loan market conditions in client materials, with a focus on the Middle Market segment of the US Loan Market.
• Execute lead-arranged transactions by preparing organization books, drafting marketing materials (Confidential Information Memorandums, lender presentations, and pre-screening memorandums), organizing and managing bank meetings, participating in and tracking lender interaction and diligence, and managing the deal closing process.
• Support the review of financing documents, including commitment letters, fee letters, engagement letters, and credit agreements.
• Coordinate with other groups within Citi, including Coverage, Underwriting, Risk, and Operations as well as other product groups to meet pitch and deal-related deliverables and deadlines.
• Developing and maintaining effective industry relationships with legal counsel, external parties, clients (in collaboration with senior coverage officers).
• Developing and maintaining effective industry relationships with clients, lenders, legal counsel, and external parties (in collaboration with VPs and Senior Transactors).
• Develop business and credit judgment as well as to provide balanced assessments in working with internal team members and partners.
• Maintain a strong attention to detail, deliver high quality work product, and complete work in assigned timeframes.

Qualifications:

• 2-3 years of banking experience, preferably with loan syndication, asset-based finance, or capital markets experience
• Completion of formal credit training program preferred
• Fundamental credit skills, including demonstrated ability to evaluate business, industry, financial performance, and structure/terms
• Strong financial and analytic skills, including proficiency with financial modeling and ability to rapidly assimilate complex information
• Excellent command of Microsoft Suite, with an emphasis on PowerPoint and Excel
• High level of energy, enthusiasm, and motivation
• Team player, able to facilitate strong partnerships
• Detail-oriented individual with strong organization ability and excellent communication, writing, and presentation skills
• Obtain and maintain required FINRA registration and licensing

Education:

• Bachelors/University degree or equivalent experience

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

Anticipated Posting Close Date:

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• The Structurer will hold a key role including pricing, developing innovative financial products for investors.
• Particular focus on structured notes issuance activity, understanding market trends and identifying opportunities
• Modelling Payoffs, and running and assessing Risk and P&L impact Ability to create customized back tests and analysis
• Participate to the development of new products/payoffs
• Marketing presentations and participation to client meetings
• Work in close partnership with control functions such as Legal, Compliance, Market and Credit Risk, Audit, Finance in order to ensure appropriate governance and control infrastructure
• Build a culture of responsible finance, good governance and supervision, expense discipline and ethics
• Appropriately assess risk/reward of transactions when making business decisions; and ensure that all team members understand the need to do the same, demonstrating proper consideration for the firm’s reputation.
• Be familiar with and adhere to Citi’s Code of Conduct and the Plan of Supervision for Global Markets and Securities Services; and ensure that all team members understand the need to do the same
• Adhere to all policies and procedures as defined by your role which will be communicated to you
• Obtain and maintain all registrations/licenses which are required for your role, within the appropriate timeframe
• 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.

• 4-10 years structuring experience from a financial institution
• Demonstrated quantitative and analytical skills
• Consistently demonstrates clear and concise written and verbal communication skills
• Ability to work with multiple functional groups in a cohesive manner.

• Bachelor’s/University degree, Master’s degree preferred.

Anticipated Posting Close Date:

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Responsibilities:

• Create financial reports and meet with finance team to clearly summarize financial trends and provide insight to senior management
• Advise on directional strategy and provide guidance on significant business/product decisions
• Execute analysis of annual 3-year Strategic/Operating Plans, CCAR PPNR forecasts, mid-year reforecasts, and bi-monthly outlooks in partnership with segment, business, and country FP&A teams.
• Prepare analytics in support of CEO Reviews, including business initiatives
• Execute analysis of product profitability and provide guidance on significant business and product decisions
• Develop and maintain relationships with key partners and senior management to influence behavior and decision making
• Prepare presentations and analysis for the team supporting the CFO
• Has the ability to operate with a limited level of direct supervision.
• Can exercise independence of judgement and autonomy.
• Acts as SME to senior stakeholders and /or other team members.
• 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:

• 6-10 years of relevant experience
• Proficient computer skills with a focus on Microsoft Office applications
• Effective verbal and written communication skills
• Demonstrated presentation skills
• Consistently demonstrates clear and concise written and verbal communication skills

Education:

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

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

Anticipated Posting Close Date:

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The Structurer 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 one area. Strong commercial awareness is a necessity. 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.

What you’ll do:

• Originate transactions through product pitches / marketing to the sales force and clients
• Lead approval process of new products and bespoke transactions
• Lead execution of mandated transactions
• Be an integral member of a team that will generate product ideas

What we’ll need from you:

• Prior knowledge of structured financing and derivatives
• Experience of solution type trades is key (eg. Structured financing, non-recourse financing, repo to maturity etc)
• Familiarity with fixed income markets including public credit and private credit
• Familiarity with pricing of structured financing trades, highly competent at using spreadsheets, building tools etc.
• Experience of dealing with legal, regulatory and accounting issues (issues, documents, rules, people etc.) is key for this role.
• A quantitative degree in e.g. mathematics, economics, physics or computer science is preferred.

Qualifications:

• 12+ years structuring experience from a financial institution
• Demonstrated quantitative and analytical skills
• Consistently demonstrates clear and concise written and verbal communication skills
• Ability to work with multiple functional groups in a cohesive manner.

Education:

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

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

Anticipated Posting Close Date:

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