CtP Lending Program Lead: Governance & Risk

Citizens; Glen Allen (VA); Hybrid; USD 78,000 - 112,000; Full time

Benefits offered by this job

Medical, dental & vision coverage

Retirement benefits

Flexible work arrangements

Education reimbursement

Wellness programs

Job summary

Citizens seeks a dedicated CtP Lending Program Specialist to serve as the primary business support resource and subject matter expert for the Construction-to-Permanent lending program. You will govern policy, manage risk oversight, and drive operational execution across Sales, Credit Risk, and Legal teams.

Responsibilities include training, governance updates, exception evaluation, and collaboration with stakeholders to ensure CtP requirements are current and effective.

Qualifications

• 5-10 years of experience supporting Construction-to-Permanent (CtP) lending programs and products.
• Demonstrated confidence and professional courage to hold sales teams and sales leadership accountable to program requirements.
• Strong organizational, planning, and leadership skills, with the ability to manage priorities, resolve challenges, build relationships, and influence stakeholders.
• Demonstrated decision-making and problem-solving skills, including the ability to evaluate complex situations and provide well-supported recommendations.
• Strong analytical and research capabilities, with the ability to identify trends, interpret data, and assess business impacts.
• Proficiency with Microsoft Office applications, including Excel, Word, and PowerPoint.
• Excellent written and verbal communication skills. Experience working effectively within a collaborative, matrixed environment involving Operations, Credit Risk Management, Sales, and other cross-functional partners.
• Direct experience in construction lending, including draw administration, project review, processing, underwriting, and loan closing activities.
• Knowledge of construction lending risk management practices, policies, and regulatory requirements.
• Experience supporting program governance, policy development, and operational process improvement initiatives.

Responsibilities

• Provide consultative support to Project Review and business partners, including guidance on loan scenarios, contract reviews, draw schedules, and project budget evaluations.
• Collaborate with stakeholders across Credit Risk, Operations, Servicing, Legal, and Sales to ensure program requirements remain current, effective, and aligned with business objectives.
• Evaluate non-standard transactions and exception requests, recommend appropriate solutions, and support decisions consistent with CtP policies and established risk parameters.
• Maintain CtP certification materials and facilitate training sessions and webinars for program participants.
• Serve as a subject matter expert and trusted resource for associates and business partners across the organization.
• Identify trends, risks, and emerging issues, and communicate findings and recommendations to leadership.
• Maintain and enhance program documentation, procedures, controls, and governance materials.
• Support continuous improvement initiatives to strengthen program effectiveness, risk management, and operational efficiency.

Skills

CtP lending knowledge

Governance & policy

Risk assessment

Stakeholder influence

Analytical research

Project coordination

Communication

Problem solving

Accountability

Cross-functional collaboration

Tools

Excel

Word

PowerPoint

Microsoft Office

Job description

Citizens seeks a dedicated CtP Lending Program Specialist to serve as the primary business support resource and subject matter expert for the Construction-to-Permanent lending program. You will govern policy, manage risk oversight, and drive operational execution across Sales, Credit Risk, and Legal teams.

Responsibilities include training, governance updates, exception evaluation, and collaboration with stakeholders to ensure CtP requirements are current and effective.