• Manages a team of Commercial Real Estate Portfolio Managers and Credit Analysts, including those managing straightforward up to the most complex credits with the most complex corporate organization structures, documentation and/or collateral structures, including those with large exposures in complicated and/or specialized industries

• Assures that all PMs are trained and kept up to date on Citizens Bank credit policy as well as credit issues affecting the general economy

• Actively ensures compliance with federal regulations and Citizens Bank policies

• Actively involved in assessing, developing and implementing credit and compliance policies

• Designs and monitors internal systems to assure that all assigned work and ongoing monitoring is completed on a timely basis and in a manner that complies with all Citizens Bank internal policies

• Prioritizes work that is assigned to the group, assure that work is appropriately distributed among the team members and is responsible for objective quality control of groups analytical and reporting work product to include accurate application of credit, risk, and other policies and practices required to effectively manage risk exposure and loss to the Bank

• Manages the performance management and development process for all reports

• Largely internally focused interacting with PMs, RMs, TLs, Division Executives, State Presidents, Credit Officers and Senior Management. Externally meets with customers/prospects to actively negotiate deals and solve customer/prospect requests and problems

• Internally is viewed as a trusted advisor on credit and portfolio management issues/challenges to RMs

• Proficient in recruiting and managing the recruiting process including a strong vision and understanding of talent selection and development

• Coaching and mentoring everyone in their organization is a key deliverable

• Adept at problem loan identification and conflict resolution

• Willing to be a constant and consistent presence within the market, to include networking and attending industry events

• Promotes an environment of continuous improvement and development

• Ability to travel as needed

• Leads by example

• Has a collaborative mindset and looks to be a consensus builder

• Can easily explain complex concepts to both junior and senior level employees

Requirements:

• 12+ years of commercial real estate loan underwriting experience with ability to manage and grow significant customer portfolio
• Prior experience with REIT’s - required
• Exhibits strong level of knowledge of commercial sales, commercial products, credit, risk, and administration practices and processes
• Skilled at maintaining good communication across business unit and broader organization
• Skilled at developing and implementing both strategic and tactical solutions and systems in support of portfolio administration and business unit goals and objectives
• BA degree, MA preferred with successful completion of a credit training/underwriting program
• Proven credit management abilities with good computer skills for recording and tracking results
• Comprehensive verbal and written communication skills, able to multi task and function under pressure to meet deadlines, strong organizational skills, customer service, developed influencing and negotiation skills, experience in managing the day to day and annual performance and developmental activities for direct and in-direct reports from entry to expert level PMs
• Word, Excel, Power Point, spread sheet modeling, and presentation development and delivery skills
• Advanced knowledge of different financial modeling systems and ability to coach others on use of internal systems that may include RARCR, ORA, FACT, and MFA

Hours & Work Schedule

• Hours per Week: 40+
• Work Schedule: Monday to Friday

Pay Transparency

The salary range for this position is $225,000 - $250,000 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, 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 very 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.

Equal Employment and Opportunity Employer

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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.