Sr. Credit Officer - Business Banking

Citizens is currently recruiting for a Senior Credit Officer to support its Business Banking line of business. The Senior Credit Officer will be responsible for evaluating, analyzing, and approving credit proposals relating to both C&I and Investment Commercial Real Estate for companies with revenues up to $50MM and transaction sizes up to $15MM. This role requires a deep understanding of credit risk principals, financial analysis and asset valuation. The successful candidate will work closely with sales, portfolio management, and legal teams to ensure credit quality and regulatory compliance, while supporting business objectives.

Responsibilities

• Serve as the primary credit approver for transactions across multiple industries.
• Evaluate and act on credit opportunities including new originations, renewals, and modifications by approving, declining, or escalating recommendations to the appropriate higher authority.
• Provide independent credit risk assessment and decision-making in alignment with the bank’s risk appetite and regulatory expectations.
• Partner with front-line business units to structure transactions that balance client needs with prudent risk management; identify risk and collaborate with coverage, product and portfolio teams on client selection and creating protective, balanced credit structures to maintain portfolio quality.
• Oversee portfolio monitoring, including risk rating accuracy, concentration risk, and early identification of problem credits; communicate with executive risk management and loan workout specialists to effect restructures and minimize losses.
• Lead or contribute to credit policy development, underwriting guidelines, and risk-adjusted return frameworks specific to leasing.
• Engage in client-facing due diligence and assist business partners with originating and onboarding new credit relationships.
• Ensure all credit delivery activities are completed in a timely, efficient and prudent manner while facilitating delivery of credit-related products and services to customers.
• Provide leadership with first-line business partners in establishing credit culture, risk appetite, and business strategy.
• Follow defined processes, procedures and credit policies to accomplish objectives.

Qualifications

Education

Pay Transparency

The salary range for this position is $115k - $170k per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on factors including location, skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, parental leave, flexible work arrangements, education reimbursement, wellness programs and more. Citizens’ paid time off policy exceeds mandatory local and state requirements. For overviews of our benefits, visit https : / / jobs.citizensbank.com / benefits.

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

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, disability or history of disability, ethnicity, gender, gender identity or expression, genetic information, marital or domestic partner status, medical condition, military or veteran status, national origin, pregnancy or childbirth, or any other category protected by applicable laws. We are committed to fostering an inclusive culture where everyone is treated with respect and professionalism. Employment decisions are based on merit, qualifications, performance and capability.

Why Work for Us

At Citizens, you’ll find a customer-centric culture focused on helping our customers and supporting local communities. You’ll join a collaborative workforce with access to training and tools to accelerate potential and career growth.

Posting End Date : 10 / 15 / 2025

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