You can use the funds from such a loan for a variety of purposes including making other investments, seeking enhanced yields, purchasing real estate, repaying debt or for other personal needs.
We help you to get more out of your assets.
Margin lending
We enable qualified clients to borrow at competitive rates against investments including equities, cash and equivalents, bonds, and mutual funds.
Keeping your core investment portfolio fully invested for the long-term is one of the most important recommendations that we make.
But we also recognize that you may have liquidity needs from time to time, whether planned or unplanned. We therefore offer securities backed lending to borrow against your portfolio.
Rather than selling any existing investments to meet such needs, you might consider entering into a margin loan.
With $25.3 billion of liquidity provided globally, our margin lending program enables borrowing at competitive rates using a broad range of financial assets as collateral.
These include cash and cash equivalents, equities and bonds, exchange traded REIT shares, mutual funds and ETFs, Citi-distributed structured notes, and hedge funds.
A margin loan allows you to keep your investment strategy intact, retaining dividends, and preserving other benefits of ownership.*
Our dedicated team is experienced in structuring bespoke strategies to provide clients liquidity using their financial assets as collateral.
How we serve you
CUSTOMIZED TERMS
Our margin loan specialists work closely with you and your Private Banker to determine a suitable financing strategy, taking a holistic view of your assets and liabilities.
Given our strong balance sheet, there are minimal restrictions on the size of loans we can make to eligible borrowers with sufficient collateral.
The credit lines and loans we arrange are available in multiple currencies, according to your needs.
MITIGATING RISK
While margin loans can help you get more out of your assets, they also come with risks.
We therefore seek to help you avoid the hazards of excessive leverage and receiving a margin call.
Our portfolio analytics specialists can perform an analysis of your leverage, highlighting the risk of your receiving a margin call based on market moves during past episodes of financial stress.
In the case of adverse market fluctuations that cause a decline in the market value of securities, we employ a unique two-step margin call process, which includes both top-up and sell out notices
BORROWING ACROSS BORDERS
The global nature of our business enables us to lend against assets owned in other jurisdictions.
For example, we may lend against securities held in Hong Kong to finance the purchase of a residential property in London.
Our specialists around the world work together as one team to help achieve cross-border solutions.
Meet our people
Murtuza Rasiwala
Head of Margin and Mortgage Lending
“Our dedicated team is experienced in structuring bespoke strategies to provide clients liquidity using their financial assets as collateral”
Meet our wealth expert
Murtuza is responsible for overall management of the margin lending offering across Wealth, including product and platform development, origination, and structuring.
He also heads the residential real estate/mortgage team responsible for mortgage origination, underwriting and operations, as well as interface with third-party mortgage servicers.
Previously, Murtuza was Head of Deposits and Mortgages for Citi Private Bank and Wealth at Work Americas.
With nearly two decades of private banking experience, he also led private assets lending and margin and securities-backed lending, working with clients across all global regions.
Murtuza has an MBA in Finance from Nanyang Technological University Singapore. He also holds the Chartered Financial Analyst qualification.
Global Head
Alessandro Aloisi
Head of Business Development – Margin Lending
Meet our wealth expert
Alessandro is responsible for our margin and securities backed finance team’s business development globally.
Prior to his current role, he worked in enterprise and operational risk management at Citi, serving as Global Head of Technology Risk for the Private Bank and Treasury and Trade Solutions, EMEA Head of Technology Risk, and Western Europe Head of Enterprise Risk Management.
At Citi, Alessandro has also held various leadership roles in the Performance and Measurement group and Asset Servicing Operations group in Markets & Securities Services.
Alessandro holds a master’s degree in economics and business administration from the University of Catania. He has also studied at the Rotterdam School of Management at Erasmus University and the London School of Economics.
Global Head
James Grimes
Head of Margin lending
Americas
Meet our wealth expert
Jim originally joined Citi in 1999 as a Financial Controller in CitiCapital Material Handling Finance. In 2005, he transitioned into the role of Credit Officer for CitiCapital Material Handling Finance and later that year graduated from Citigroup Commercial Credit College.
In 2006, Jim joined Citi Private Bank’s Investment Finance team as a Portfolio Manager. Over the past decade, he has provided clients with tailored lending solutions. Most recently, he has served as Margin and Securities-Backed Finance Transactor for Metro New York.
Prior to joining Citi, Jim held roles at PricewaterhouseCoopers LLP as a Senior Auditor and Credit Lyonnais as an Accountant.
Jim received his bachelor’s degree from Fordham University. He is also a Certified Public Accountant.
Global Head
Dale Walsh
Head of Margin lending
Europe, Middle East and Africa
Meet our wealth expert
Dale is responsible for our margin securities backed finance (MSBF) offering across the region. Previously, he was a senior investment finance transactor, originating and underwriting lending transactions across areas including MSBF, subscription credit finance and commercial real estate. He is a Senior Credit Officer.
Having joined the Private Bank in 2004, Dale served in investment finance roles covering MSBF and residential real estate, including as a transactor in the risk team as part of the Special Assets Recovery Group. He also worked for Citi’s Corporate Bank in the shipping and aviation teams.
Dale holds a bachelor’s degree in politics from the University of Liverpool.
Global Head
Nandagopal Nair
Head of Banking Solutions and Margin Lending
Asia Pacific
Meet our wealth expert
Nandu has overall responsibility for meeting clients’ banking and margin lending needs across Asia Pacific.
Since joining Citi in 1994, he has served in the Corporate, Consumer and Private Banks.
He brings 25 years of industry experience to clients, including roles in trading, sales, treasury and wealth advisory.
Nandu has a bachelor’s and an MBA from the Indian Institute of Management.
Resources
See more of the insights we offer you by exploring our white papers.
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