Citi

Question 1

What is Global ABS?

Answer 1

Provides financing and securisation of consumer (e.g. credit card loans) and commercial (e.g. equipment) asset classes.

Question 2

What is international residential finance?

Answer 2

Provides warehouse financing against residential loans / homes.

Question 3

What is commercial real estate?

Answer 3

Provide non-recourse mortgage financing, warehouse lending, arranger roles.

Question 4

What is warehouse lending?

Answer 4

When a lender provides another lender (typically mortgage providers) a line of credit to fulfil further loans.

Question 5

What is a non-recourse loan?

Answer 5

Loan that is backed by collateral and the borrower is not personally liable for the loan (i.e. cannot seize all borrowers assets in case of default).

Question 6

What am I doing?

Answer 6

Financing & Securitization within Global Spread Product Team.

Mix role of BA / Project Manager / Product Manager

Value add:
- Work with business to identify enhancements in Deal Origination technology.
- Interlink with other product lines to identify cross-business strategic solutions.
- Design Requirements for execution.
- Work with strategic wholesale lending credit review to implement bankwide enhancements e.g. implement new deals on Loan IQ by end of 2024.