The Spread Products Banker is a senior level position responsible for assisting the business in providing innovative capital solutions to a broad range of Citi’s institutional clients ranging from corporates, asset managers, institutional investors, governments and non-profits across the credit, municipal and securitized markets. The overall objective of this role is to successfully assist and support the business in managing client relationships and to help developing strategic and tactical capital plans for Citi’s institutional clients.
Responsibilities:
- Develop financing structures and securitization strategies for clients in complex financing deals in asset classes like asset-backed securities, mortgage-backed securities, or corporate debt.
- Assume significant levels of responsibility for the various phases of project and transaction execution, new business development and overall growth of the Spread Products franchise.
- Conduct thorough credit risk analysis and ensuring compliance with internal and external rating criteria in securitization transactions.
- Provide Citi clients with expert guidance on securitization transactions and opportunities, tailoring solutions to their specific asset portfolios and financing needs.
- Work closely with Citi’s clients on transactions and guide them through the capital raising process.
- Staying updated on market trends and regulatory changes in securitization and structured finance.
- Provide mentorship to a team of analysts and associates in Spread Products transaction execution.
- Responsible for drafting situation analyses, pitch materials, information memoranda, investor and management presentations and oversee work being performed by analysts & associates assigned to projects
- Review legal transaction documents and negotiate transaction terms and deliver the best execution for clients
- Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and their assets, by driving compliance with applicable laws, rules and regulations, adhering to Citi policies, 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 experience
- Experience in the Financial Services industry
- Degree in Finance or closely related areas of Business Administration preferred
- Comprehensive knowledge of securitization products, pertinent regulations and lending and credit approval processes
- Consistently demonstrates clear and concise written and verbal communication skills
- Experience with large corporate clients, capital markets products, derivatives, credit, cash management, trade, finance and securities products
Education:
- Bachelor’s degree/University degree or equivalent experience
- MBA or Master's Degree in Business preferred
Language:
- Mandarin or Korean language considered a plus
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Job Family Group:
Institutional Banking------------------------------------------------------
Job Family:
Investment Banking------------------------------------------------------
Time Type:
Full time------------------------------------------------------
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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Citi Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Citi and has not been reviewed or approved by Citi.
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Healthcare Strength — Benefits coverage is positioned as comprehensive, including health, dental, and vision insurance plus on-site clinics, prescription drug support, and disability coverage. Family-building support such as fertility assistance is described as a notable differentiator within the overall package.
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Retirement Support — Retirement benefits are framed as strong, highlighted by a 401(k) with matching and additional plan options like a Roth 401(k). Financial support is reinforced through discounts and broader financial guidance resources tied to the benefits ecosystem.
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Wellbeing & Lifestyle Benefits — Wellbeing support extends beyond insurance through programs like an Employee Assistance Program, counseling/legal resources, and gym or wellness reimbursement. These offerings increase the perceived total rewards value even when cash compensation sentiment varies by role.
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