Description

At Citizens, we work together to make a difference for companies that are building, supplying and serving industries and consumers across the country. As the Capital Markets Senior Credit Officer, you will have risk management responsibility for assigned commercial loan portfolios including elevated leveraged loans and related products or services. You will be heavily involved in the leveraged loan market with many deals having tight deadlines and involving M&A, so it will be important to make credit decisions quickly and clearly communicate your rationale. Your responsibilities will include identifying key risks and proactively guiding the development of protective and balanced credit structures with knowledge of current market conditions, close monitoring of higher risk loans to ensure proper risk rating, and ensuring adherence to portfolio strategic objectives, credit policies, and all administrative procedures. You will work autonomously and will be recognized as a subject mater expert in this highly visible leadership role and will be responsible for supervising and mentoring less experienced credit officers. In this role, you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself!

Primary responsibilities include

• Credit structuring and approvals, approving credit within CAF authorities, guidance on structuring, problem loan identification, direct and monitor early stage action plans.

• Direct portfolio activities of credit officers within region.

• Conduct targeted customer/prospect calls to objectively assess business models and manage adequacy.

• Regulatory exam coordination and management as IT relates to assigned portfolios and related products or services.

• Board of Director presentations.

• Mentor and coach the less experienced line officers. Understand the business unit’s goals and objectives.

• Acquisition due diligence and transition management leadership role.

• Participate in portfolio reviews, review CQA reports, and participate in discussions with these groups as well as audits and regulators when needed.

Requirements

• Minimum of 25+ years commercial credit experience, preferably in banking

• Experience in Capital Markets including cash flow leverage finance transactions with sponsors and corporate borrowers

• Familiarity with the pro rata and institutional markets. Experience with securitization products is appreciated however not required

• Ability to analyze a deal and articulate your view and rationale for your position to deal teams

Education

• Bachelor’s degree required

Hours & Work Schedule

• Hours per Week: 40

• Work Schedule: M-F

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

Citizens, its parent, subsidiaries, and related companies (Citizens), provides 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, transgendered and transitioning individuals, 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 colleagues to bring their best selves to work every day and where all are expected to be treated with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. We perform our best so we can do more for our customers, colleagues, communities and shareholders.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

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.

04/30/2025