Yang Ni

Transaction-focused finance professional with 8+ years at Citi and JPMorgan, specializing in structuring and executing complex credit solutions across fund finance, asset-backed lending, and structured products. Proven track record advising senior stakeholders on capital optimization, deal pricing, and portfolio strategy.

Vice President at Citi Bank (2023-10 – Present)

• Structure and execute complex credit transactions for Citi Private Bank's $60Bn lending platform — advising clients and coverage teams on deal architecture, collateral terms, pricing, and repayment mechanics across fund finance, subscription lines, real estate credit, and illiquid asset classes including aircraft, fine art, and private equity.
• Lead transaction advisory on new originations: evaluate deal economics, develop term sheet recommendations, and present credit proposals to internal deal committees — partnering with relationship managers and product teams to originate, negotiate, and close bespoke financing mandates.
• Originate financing solutions for UHNW and institutional clients across complex collateral structures, advising on valuation methodology, haircut design, covenant terms, and repayment risk tailored to each client's asset profile and liquidity needs.
• Serve as primary credit liaison between relationship managers, coverage teams, and risk committees — translating complex credit dynamics into client-facing recommendations and accelerating deal execution timelines across the Private Bank platform.
• Drive capital optimization across the lending portfolio by analyzing RWA treatment and rating agency methodologies, enabling more competitive transaction pricing and improving return on capital for structured and illiquid credit deals.
• Conduct competitive market analysis using Bloomberg and FactSet to benchmark deal pricing and structure against peer transactions, ensuring Citi's financing terms remain competitive while meeting internal return thresholds and risk appetite.
• Developed machine learning–driven credit models that enhanced underwriting quality and reduced reserve capital requirements by $200M; built automated stress testing infrastructure cutting monthly reporting cycle time by 50%.
• Monitor post-close deal performance and covenant compliance, identifying early warning signals and advising on proactive restructuring, collateral adjustment, or covenant renegotiation where required.
• Partner with Corporate Banking and product desks to identify cross-sell opportunities, support client relationship expansion, and develop pipeline of new financing mandates across institutional and UHNW segments.

Vice President at JPMorgan Chase&Co. (2017-08 – 2023-10)

• Played a central role in JPMorgan's acquisition of First Republic Bank — led credit due diligence, modeled capital reserve impact across divisions, and coordinated post-merger integration of lending portfolios and financial reporting systems.
• Designed and executed capital optimization initiatives across the wholesale lending portfolio, identifying structural inefficiencies and persuading Investment Banking stakeholders to adopt new credit risk mitigation strategies — achieving a $700M reduction in risk-weighted exposure.
• Supported front-office teams in structuring and evaluating client financing requests; prepared credit proposals and transaction memos for new originations and renewals, and delivered portfolio analytics to coverage heads to inform client prioritization and origination strategy.
• Partnered with Investment Bankers and relationship managers to evaluate deal structures, present capital optimization opportunities, and advise on transaction terms — serving as a key bridge between risk, capital, and origination teams.
• Performed comprehensive stress testing of the $2.7Tn Wholesale Credit Portfolio under multiple macroeconomic scenarios, delivering executive-level forecasting results to Senior Management to inform firm-wide capital planning and funding strategy.
• Managed monthly RWA reporting for the $2.7Tn Wholesale Credit Portfolio for US Federal regulators; partnered with Corporate Controllers to investigate portfolio movement drivers and presented quarterly results to Managing Directors supporting balance sheet strategy.
• Partnered with Treasury and Capital Management to align wholesale lending activities with firmwide liquidity targets and long-term capital allocation frameworks; co-authored Basel III policy updates ensuring regulatory alignment across front-office and risk functions.
• Built and institutionalized a new portfolio management operating model — standardizing monthly review cadences, early warning indicators, and escalation protocols — and drove digitization programs eliminating 100+ hours of manual processing per month.

Master of Business Administration in MBA – University of Michigan, Stephen M. Ross School of Business

B.S. in Business Administration, Accounting & Economics – The Ohio State University