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Commercial Operations Closer

Commercial Banking

Johnston, Rhode Island


At Citizens, we work together to make a difference for companies that are building, supplying, and serving industries and consumers across the country. The Commercial Operations Closer will be responsible for performing various tasks to support the Business Banking portfolio. Activities that support the application review, underwriting conditions, loan documentation, and closing processes for Business Banking are some of the detailed tasks associated with this role. You will be a critical member of the commercial client relationship team that is responsible for ensuring loans with varying loan structures and documentation requirements are closed and documented in accordance with the Citizens credit approval policy. You will be responsible for accurately booking loans into the loan accounting system, performing appropriate due diligence tasks, reviewing operational risk components, and ensuring conditions are met prior to closing or funding a loan. You will function as a gate keeper to ensure compliance and reporting requirements are met. As part of the Client Service team, you will thrive in this role by possessing strong verbal and written communication skills to interact efficiently and effectively with internal business partners, legal counsel, and clients. Most importantly, you will feel valued for who you are and supported to achieve what is important to you, personally and professionally!

Primary responsibilities include

  • Perform due diligence and various tasks associated with preparing credit requests for Underwriting review 
  • Responsible for ensuring loans are closed and documented in accordance with the credit approval 
  • Effectively work with sales partners, customers, legal counsel, and third parties to clear all pre-closing conditions including environmental reports, appraisals, flood determinations, lien positions and title work
  • Draft and/or review loan closing documentation
  • Effectively manage a loan pipeline, communicating clearly and timely to sales partners and customers on status and conditions
  • Ensures all activities meet Bank, departmental, and regulatory expectations
  • Manage and clear post-closing legal documentation exceptions in compliance with bank policy
  • Provides exceptional customer service while adhering to Bank policies and controls and regulatory requirements to
  • Mitigate operational and reputational risk

Qualifications, Education, Certifications and/or Other Professional Credentials

  • 2+ years industry experience (banking, financial services, mortgage), knowledge of commercial lending transactions. 
  • 3+ years customer service experience 
  • 3+ years computer skills- ability to work with desktop applications and systems.
  • Knowledge of commercial banking documentation
  • Exceptional customer service and communication skills
  • Solid understanding of commercial real estate transactions
  • Self-starter with the capacity to work independently with minimal supervision
  • Able to effectively liaise with relationship managers, legal counsel, third party vendors and external customers
  • Exceptional customer service and interpersonal communication skills
  • Highly motivated and team-oriented
  • Ability to manage and resolve moderately complex problems.
  • Excellent time management skills with the ability to independently manage a deal pipeline while demonstrating a sense of urgency and attention to detail 
  • Strong organizational skills with the ability to manage multiple priorities in a time sensitive environment while maintaining service level agreements.
  • Experience with AFS and Laser Pro applications are a plus. 

Hours & Work Schedule

  • Hours per Week: 40
  • Work Schedule: 8:00am – 5:00pm, Monday - Friday

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

At Citizens we value diversity, equity and inclusion, and treat everyone with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws.

Equal Employment and Opportunity Employer

Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.


We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more.

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Awards We've Received


FORTUNE’s World’s Most Admired Companies


Human Rights Campaign Corporate Equality Index 100 Award


Military Friendly® Employer


Age-Friendly Institute's Certified Age-Friendly Employer


Bloomberg Gender Equality Index, Standout


Dave Thomas Foundation’s Best Adoption-Friendly Workplace


Top Regional Company for Diversity


Forbes America's Best Large Employers


National Organization on Disability's Leading Disability Employer