Sr Credit Officer Commercial

Description

Citizens is currently recruiting for a Commercial Senior Credit Officer to cover the West Region for the organization. This role is a highly visible leadership role requiring line of business expertise, strong credit skills, decisive decision making and strong interpersonal skills combined with the ability to prioritize and operate in a dynamic environment both independently and efficiently.  Credit coverage responsibilities will include supporting our regional Corporate Banking and California Middle Market expansion efforts.  While not required, experience analyzing and structuring transactions in the Technology and Film & Entertainment sectors will be helpful for the role. 

Responsibilities:

• Partner with 1^st line market leadership and relationship managers to establish and maintain prudent risk appetite and facilitate growth within these parameters.
• Engage in client facing due diligence and assist business partners with originating and onboarding new credit relationships.
• Objectively identify risk and proactively partner with coverage, product and portfolio teams in the areas of customer selection and creation of protective, balanced credit structures with a focus on maintaining portfolio quality and protecting the Bank's balance sheet.
• Review, approve, decline or recommend to appropriate higher authority, credit opportunities  for new originations, renewals or modifications of existing loans.
• Provide experienced oversight of portfolio to ensure that satisfactory loan quality is maintained as well as early identification of potential problem credits, communicating with executive risk management and working with loan workout specialists as necessary to restructure the credit to minimize losses. 
• Provide leadership related to credit decisions and ongoing portfolio management with an eye toward portfolio strategic objectives, credit policies and all related administrative procedures.
• Ensure all credit delivery activities have been completed in a timely, efficient and prudent manner while facilitating an environment for the efficient delivery to customers of products and services that require credit exposure. 
• Provide leadership role modeling and disseminating the bank's credit culture and risk appetite.
• Follow defined processes, procedures and credit policies to accomplish all defined objectives.

Qualifications:

• Significant experience in a Wholesale Credit or Commercial Lending position operating in a large, complex bank environment.
• Experience lending in syndicated structures, managing credits with complex capital structures, and partnering with multiple commercial banking product areas to responsibly allocate capital across a credit relationship.
• Strong administrative, communication/interpersonal and negotiation skills.
• Demonstrated ability to exercise sound judgment and act independently in a dynamic environment.
• Demonstrated ability to balance risk and return, promoting responsible expansion of credit relationships while leading stewardship of the Bank’s balance sheet.

Education 

• Bachelor’s degree required, preferably in a financially oriented major 

Pay Transparency 

The salary range for this position is $250,000- $275,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.   

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.

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Equal Employment Opportunity

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, 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. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.