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Sr Field Examiner Reviewer

Risk, Remote

Massachusetts; New Hampshire; Illinois; Georgia; Florida; Delaware; Remote

Req. Number: 225060

Full/Part Time: F

Shift: 1st Shift

Description

Citizens is offering an exciting opportunity for a Commercial Field Examiner to join a collaborative group that handles a robust workload of exams for a group of interesting and challenging commercial borrowers. Citizens is a strong, respected regional financial institution that is growing and has a national commercial lending footprint. The opinion of the CFE group is well respected within the organization and its input is sought by both Portfolio Managers and Credit Officers; it is a group in which one feels that their opinions are heard and that they are making a difference.

The Sr Field Examiner Reviewer will perform independent field examinations and/or reviews of examination performed my other examiners of commercial transactions including memorializing such examinations in written format for the benefit of internal customers (Relationship Managers/Portfolio Managers; Credit Officers). 

Primary responsibilities include: 

  • Perform examinations at customer site
    • Perform testing of collateral including A/R invoices, credit memos, cash application, test count of inventory, cost test inventory, gross margin and in-transit testing.  
    • Verify both the value and existence of collateral within a primary focus on accounts receivable and inventory.
    • Assess trends and recommend enhancements to the deal structure in 
    • order to reduce the bank’s exposure.
    • Provide an onsite perspective to the overall credit.
    • Provide written report summarizing exam findings
    • Perform Take Down exams to establish starting balances and reserves on borrowing base certificates concurrent with loan closings and fundings.
    • Assist in engagement of third-party vendors with respect to vendor selection, report type, report content, report format and contract 
    • authorization in accordance with master professional services agreements and bank policies and procedures.
    • Interact with senior management of Commercial Credit Risk and Commercial Lending regarding completed exams.  
    • Provide direct, responsive customer service to external vendors and internal customers (i.e., RMs/PMs/Division Executives/Credit Officers) that CFE supports and serve as 
    • the primary liaison and point-of-contact with both internal customers and external vendors with regard to identification and explanation of any issues of concern, and development/application of any potential risk mitigates.
    • Research and develop work papers and test appropriate for specific industries

Qualifications

Required Skills/Experience:

  • Minimum 10+ years of field exam or related experience
  • Strong accounting and analytical skills  
  • Ability to work independently and in team environment   
  • Proficient use of applicable technology 
  •  Demonstrate ability to succinctly communicate both verbally and in writing 
  •  Ability to work on multiple tasks and within tight deadlines
  • Must be able to travel anywhere in the US approximately 30-40 of the time%

Education:

  • Bachelor’s degree in Finance Accounting or Economics required 

Hours and Work Schedule

Hours per Week: 40

Work Schedule: Monday-Friday 

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Benefits

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

2022

Human Rights Campaign Best Places to Work for LGBTQ Equality

2021

Dave Thomas Foundation Best Adoption-friendly Workplace

2021

DiversityInc
Noteworthy Company for Diversity

2021

Military Friendly Employer

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