Senior Associate – Real Estate Corporate Banking
hace 9 horas
London
Job ID: 98473630048Posted: 2026-07-29Location: London, England, United KingdomCategory: Banking & InternationalCompany: CitiThe Real Estate Corporate Banking Associate will join the EMEA Real Estate Corporate Banking team, supporting the origination, execution, and ongoing management of corporate banking relationships across the real estate sectorThe role is suited to a high-performing associate with strong credit, corporate finance and relationship-management skills, who is able to combine analytical rigour with commercial judgment. The successful candidate will work closely with senior bankers, product partners and risk teams to deliver financing and strategic solutions to listed and private real estate clients across the UK and EuropeThe Associate will be expected to contribute to client coverage, capital structure analysis, transaction execution, portfolio management, and cross-sell initiatives across the broader banking platformKey ResponsibilitiesClient Coverage and OriginationSupport senior bankers in managing and developing relationships with real estate corporates, REITs, private real estate platforms and financial sponsorsHelp identify and originate new opportunities across lending, debt capital markets, services, derivatives and wider corporate finance solutionsPrepare high-quality client materials, including financing proposals, capital structure analysis, market updates, pitch books and internal briefing notesDevelop a strong understanding of client strategy, financial performance, capital requirements, funding plansTransaction ExecutionSupport the execution of bilateral and syndicated loan transactions, acquisition financing, bridge facilities, revolving credit facilitiesCoordinate with internal partners including Investment Banking, Debt Capital Markets, Risk, Legal, Treasury, Markets and Portfolio ManagementAssist with structuring, credit analysis, documentation, due diligence, approvals and closing processes.Track transaction timelines, deliverables and internal approvals to ensure efficient executionCredit and Risk AnalysisPrepare detailed credit analysis, including financial modelling, covenant analysis, liquidity assessment, debt capacity, rating-agency considerationsAssess sector, asset-level and borrower-specific risks, including leverage, refinancing risk, valuation trends, interest-rate exposure and capital-market accessSupport annual reviews, credit memos, portfolio monitoring and internal risk processes.Ensure all client and transaction work is completed in accordance with internal credit policies, regulatory requirements and risk appetitePortfolio and Relationship ManagementAssist in the day-to-day management of the real estate client portfolio, including monitoring financial performance, covenant compliance, market developments and upcoming refinancing events.Maintain accurate records of client interactions, opportunities, pipeline activity, exposure, returns and risk metricsSupport senior bankers in meeting revenue, return and capital allocation objectives.Develop an understanding of the broader real estate market, including listed real estate, private capital, development, healthcare, residential, logistics, office, retail, hospitality and alternative real estate sectors such as data centresMarket and Sector InsightStay current on real estate sector themes, including interest rates, valuations, credit spreads, equity performance, refinancing trends, asset rotation, capital recycling and M&A activityBuild knowledge of real estate financing products, including unsecured lending, secured lending, bridge financing, acquisition finance, bonds, private placements, hybrids and equity-linked instrumentsCandidate ProfileRequired Experience3–5 years of relevant experience in corporate banking, investment banking, real estate finance, credit, leveraged finance, debt capital markets, ratings advisory or a related financial services role.Strong understanding of corporate credit, capital structure, financial statements and debt financingExperience working with real estate clients, REITs, infrastructure, hotels, healthcare, residential, logistics or other asset-backed sectors would be advantageous but not essentialDemonstrable experience preparing credit papers, financial models, client presentations and transaction materials.Technical SkillsStrong financial modelling and analytical skillsAbility to analyse balance sheets, cash flows, debt structures, covenants, liquidity and refinancing plansGood understanding of lending products, debt capital marketsStrong written communication skills, with the ability to produce clear, concise, and commercially focused materialsHigh attention to detail and ability to manage multiple workstreams under time pressure.Personal AttributesCommercially curious, proactive and intellectually rigorous.Strong interpersonal skills and confidence interacting with senior internal stakeholders, clients and product partnersGood judgment, ownership mindset and ability to operate with appropriate independenceCollaborative team player with a strong work ethicInterest in real estate, capital markets and corporate financeAbility to balance client objectives with risk discipline and return thresholdsCandidates applying for this role must be aware that it is a Certified Role, subject to the FCA and PRA Certification Regime. The Certification Regime is one element of the Individual Accountability Regime which came into effect on 7 March 2016. Under the Certification Regime, Citi UK regulated entities (Citi entities) must ensure that employees working in certain roles categorised as specified significant harm functions (Certified Roles) are assessed as fit and proper to carry out their role. Under the guidance provided by the FCA and PRA, firms should have regard to the following when assessing fitness and propriety: Honesty, integrity and reputation Financial soundness Competence and capability In order to comply with the requirements of the Certification Regime, Citi entities must take reasonable care to ensure that an employee does not perform a Certified Role without first being certified as Fit and Proper. For this reason, you will be assessed for this role against the Fit and Proper requirements, as described above. This assessment will be carried out through extensive interviews, self-disclosures, permitted criminal record checks, regulated reference checks, credit checks and other background screening check------------------------------------------------------Job Family Group: Institutional Banking------------------------------------------------------Job Family:Corporate Banking------------------------------------------------------Time Type:Full time------------------------------------------------------Most Relevant Skills Please see the requirements listed above.------------------------------------------------------Other Relevant Skills For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------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.If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.View Citi’s EEO Policy Statement and the Know Your Rights poster.