Residential Mortgage Lending Advisor

This review offers a comprehensive look at the Lending Advisor role within Citi Private Bank (CPB), designed to help prospective candidates understand the scope of the opportunity and how it aligns with their career aspirations.

As a key member of the CPB team, the Lending Advisor acts as a dedicated product advocate for credit offerings, focusing specifically on Residential Mortgages. This role is ideal for professionals seeking to leverage their expertise in a client-centric environment, contributing directly to the success of one of the world's leading private banks.

Advantages for Potential Candidates:

• Strategic Influence: You will be an internal sales leader, actively shaping how credit is integrated into the CPB offering. This involves collaborating with a diverse range of professionals, including Private Bankers, Market Executives, and Investment Counselors, providing significant exposure to different facets of the business.
• Client-Centric Impact: The role emphasizes understanding and profiling client needs, identifying opportunities, and developing innovative lending solutions. This allows for direct engagement with sophisticated clients and the chance to build lasting relationships.
• Continuous Learning and Development: You will be responsible for educating CPB Banker teams on credit topics, leveraging success stories, market data, and best practices. This ensures a dynamic learning environment for yourself and contributes to the overall expertise of the team.
• Career Advancement in a Prestigious Environment: Citi Private Bank offers a globally recognized platform. Success in this role can pave the way for further growth within a leading financial institution, particularly in specialized lending and private banking functions.
• Exposure to Complex Transactions: The role demands expertise in structuring complex Residential Mortgages for clients with sophisticated wealth profiles. This offers a unique opportunity to hone your skills in high-value, intricate financial arrangements.
• Cross-Functional Collaboration: You will have the chance to work with and leverage other CPB product specialists, broadening your understanding of integrated wealth management and providing a more holistic service to clients.

Key Considerations for Your Career Path:

• Specialized Expertise Required: The position calls for strong knowledge of UK (and ideally EU) mortgage regulations, extensive Ultra-High-Net-Worth (UHNW) lending experience, and proven analytical and financial structuring skills. Candidates should possess a solid foundation in these areas.
• Proactive Sales and Marketing Acumen: Success hinges on building and maintaining a robust pipeline of lending opportunities. This requires strong marketing and sales skills, along with the ability to effectively communicate the value of CPB's lending products.
• Financial Modeling Proficiency: A strong understanding of financial markets, investments, banking, and loan products, coupled with robust financial and cash flow modeling capabilities, is essential for analyzing opportunities and structuring deals.
• The Certification Regime: Prospective candidates must be aware that this is a 'Certified Role' under the FCA and PRA's Individual Accountability Regime. This entails a rigorous assessment of fitness and propriety, including honesty, integrity, reputation, financial soundness, and competence and capability. Be prepared for extensive background checks and ongoing annual declarations. This highlights the firm's commitment to upholding high standards of conduct and professionalism.
• Contribution to Portfolio Management: While the primary focus is on new business, there is an element of assisting with Residential Mortgage portfolio management and contributing to product/process developments. This suggests a role that balances origination with operational awareness.

The Lending Advisor role at Citi Private Bank presents a compelling opportunity for ambitious and skilled professionals to thrive in a demanding yet rewarding environment. It offers a chance to make a significant impact on client relationships and business growth while developing specialized expertise within the realm of private banking and complex lending.