AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREWhicker: Clemson demonstrates that it’s tough to knock out the champBut Pandit’s career on Wall Street has been mostly behind-the-scenes, and neither Pandit nor Bischoff have significant experience with the consumer side of banking. After spending five weeks waiting for Citi to name a new captain and watching the similarly embattled Merrill Lynch & Co. nab the famous turnaround specialist John Thain, investors remain worried that Citi has problems that are unmanageable. “The biggest question mark is why, for neither one of those jobs, did you not get anyone from the outside?” said Anton Schutz, president of the investment advisory firm Mendon Capital Advisors, which has 210,000 shares of Citi in its funds. “They’re already on a ship that has leaks in it. Maybe no one wanted to come on board.” Bischoff, 66, had been Citi’s acting CEO and replaced Robert E. Rubin. 160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! NEW YORK – In naming two insiders as CEO and chairman after a five-week search, Citigroup Inc. proved to a skeptical Wall Street that it was unable – or unwilling – to snag a financial superstar with a bold new vision from outside the troubled banks’ walls. The new CEO, Vikram Pandit, earned his investment banking chops at the brokerage Morgan Stanley, and Citi nabbed him earlier this year when they bought his hedge fund for $800 million. And the new chairman, Win Bischoff, became the head of Citi’s European operations after several years as chairman of the British investment bank Schroders PLC. To be sure, the two men have compelling investment banking credentials – certainly more so than their law school-trained predecessor, Charles Prince – which could help them face the fact that Citigroup must unsnarl itself from up to $17.5 billion in write-downs of soured mortgages this year.