Charlene Lim

• Co-lead a high performing team of ten bankers that provides credit analysis, deal execution and portfolio management for funds sector clients. size of ~$12.5bn. This includes pre-deal support, credit structuring and insights, end-to-end credit execution and portfolio and risk management for NAB’s existing and targeted sector customers.
• Take a lead role in transaction execution through overseeing the preparation of credit submissions, financial modelling, reviewing due diligence, negotiating legal documentation and making recommendations to senior stakeholders.
• Provide Business credit approval on credit submissions for up to $500m.
• Provide guidance / coaching to team members, providing day-to-day oversight and management of the Funds CME team.
• Help manage internal reporting requests and ongoing projects within CME.

• Responsible for a $3.6+ billion portfolio of private equity subscription credit facilities across the U.S., including serving as Administrative Agent in Citi-led transactions up to as many as 13 banks.
• Worked on every stage of the credit approval and loan booking process which includes: (i) reviewing term sheets, (ii) underwriting new transactions, renewals, facility increases and amendments, (iii) assisting participant banks with their credit, underwriting, documentation, and funding process, (iv) working closely with outside counsel and client to negotiate and document new transactions, amendments, and waivers, and (v) liaising with credit administrators and loan operations for loan closing.
• Actively managed the subscription credit portfolio to ensure compliance with loan covenants and credit agreements, and perform annual reviews.
• Assisted clients with credit requests and address any loan inquiries or issues.
• Trained and served as a senior advisor to junior members of the team.
• Trained and managed junior credit specialists who were new to the subscription credit industry.
• Award: Citi Private Bank Global Chairman’s Counsel in 2017 in recognition of outstanding performance.

Promoted to Director in 3/2013

• Responsible for syndicating private equity subscription credit facilities for the U.S. portfolio.
• Reviewed and drafted term sheets, prepared Confidential Information Memorandum and invited banks into the deals.
• Assisted participant banks with their credit, underwriting, documentation, and funding process.
• Worked with outside counsels, underwriters, and participants to review and negotiate credit agreements.
• Assisted with Private Equity Portfolio Review
• Award: Citi Private Bank Global Chairman’s Counsel in 2013 in recognition of outstanding performance.

• Managed a portfolio of Citi Private Bank ultra-high net worth clients in the central region of the U.S., across the private equity capital call, marketable securities and unsecured product programs.
• Worked with outside counsels to document amendments and new credit transactions, and negotiated loan documents with clients.
• Performed annual credit reviews and proactively monitored margin loan accounts to ensure compliance with approved loan to value requirements and when necessary, worked closely clients to cure any collateral deficiencies as per credit agreement.
• Assisted in clients’ credit requests, such as, loan advances, issuance of letters of credit, extensions of credit facilities, increase in credit facility amounts, and new credit facilities to successor funds.

• Effectively managed the loan loss reserve process (LLR) to recommend appropriate reserve build / release for GWM.
• Supported and delivered Risk Capital requirements, including quarterly computation, stress testing and reporting.
• Delivered accurate and timely comprehensive monthly & quarterly GWM Risk MIS to the Head of Risk Management.
• Managed quarterly publication of Regulators’ (OCC & NY Fed) risk report for the Head of Risk Management by coordinating with business area Risk Management teams to ensure accurate and timely delivery.
• Coordinated with all regions to produce monthly cross-border risk reports and worked closely with Senior Risk Managers of the Real Estate and Margin Finance programs to ensure accuracy of usage and limits.

Started as Senior Analyst, promoted to Assistant VP, then to VP

• Managed and supported Pre-Approved acquisition programs for New Products towards goal of Net Credit Loss (NCL) control within acceptable risk/reward guidelines.
• Ensured accurate and up-to-date MIS of program credit performance tracking.
• Initiated and supported efforts to explain and/or better understand credit profile and performance of acquisitions targeting, product/pricing, and front-end/back-end criteria and policy.
• Supported Business Plan growth goals through participation of growth initiatives.
• Modeled portfolio credit risk, measured performance and designed high-level reports.
• Performed routine due diligence and audit of Credit Bureaus through on-site company visits.
• Managed MIS reports for all Pre-Approved acquisitions products.
• Actively helped in training new members to the Pre-Approved acquisitions team.
• Awards: The Citigroup Quality Excellence Award and The Citi Stars Team Award