Citi Group SVP Credit Risk Manager Real Estate 

China, Hong Kong 

686265470

Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism.

Shape your Career with Citi

strong knowledge of underwriting/reviewing corporate transactions.

In this role, you’re expected to:

• Deal Management –RE Risk Management interface with relevant Origination teams for new credit initiatives, renewals of existing credits and portfolio analysis and management. Provide direction to analyst teams on the composition, structure and level of analysis required for requested financing activity. Define the level of due diligence requirements and work with transactor teams on completion of deal due diligence. Review and critique Greenlight and Credit Approval Memoranda. Represent RE Risk in client discussions, bank syndication meetings and documentation negotiation.
• Portfolio Management Oversight of the EMEA Corporate Loan (CLP/BCMA) and Wealth Management portfolios. Review, manage, recommend approval and report extensions of credit to special purpose vehicles and corporate entities that are secured by real estate or supported by revenues and sales proceeds from real estate activities. Assess and challenge cash flow models, personal net worth statements, sensitivity tables, and stress tests to income and debt serviceability for new and existing transactions. Risk Mitigation: Work with business and risk seniors on risk mitigation strategies, if required. This may involve undertaking stress tests to assess potential portfolio stress losses. Oversight of Risk Rating Practices. Review of risk rating methodologies for adequacy and accuracy. Suggest updates and amendments. Review all risk ratings and supporting justifications. Communicate best practices to business. Quarterly reporting of judgmental risk ratings to CORA. Interact with Internal Audit, Banking and International Credit Review and the Office of Chief Appraiser personnel for both deal level engagement as well as periodic reviews.
• Portfolio Reporting - Primary responsibility for Corporate Loan (CLP/BCMA) and Wealth Management reporting requirements, and RE limits monitoring. Quarterly Exposure and LTV exception Report; Limits reporting; Governance reports; Various risk committee reports.
• Talent Management: Provide guidance to first line analysts / associates in Real Estate risk analysis techniques.

As a successful candidate, you’d ideally have the following skills and exposure:

• 10+ years risk experience required or equivalent
• SCO or current candidate for ACE program or on the path to Scope or ACE
• Strong knowledge of the commercial RE industry or strong knowledge of underwriting/reviewing corporate transactions. Able to assess and challenge cash flow models, financial statements and apply sensitivity tests to income and debt projections
• Ability to conduct in-depth quantitative or qualitative analysis to solve problems and develop new, innovative solutions.
• Proficient math skills with excellent knowledge of MsExcel
• Excellent communication (Verbal and Written) and diplomacy skills. Ability to communicate best practices to business and advise on due diligence and additional analysis required.
• The ability to manage time sensitive projects, be a self-starter and a team player.
• Exceptional organizational and interpersonal skills as well as the ability to work well under pressure.
• Bachelor’s/University degree, Master’s degree preferred but not required