Private Bank Custom Credit Associate for UHNW Lending

Citizens Bank; Johnston (RI); On-site; USD 115,000 - 145,000; Full time

Job summary

Citizens Private Bank is seeking a Private Bank, Specialty Lending & Custom Credit Associate to collaborate with the relationship banking team to tailor credit solutions for UHNW clients. You will focus on lending transactions, underwriting, and credit analysis in line with credit policy and regulatory requirements.

You will coordinate with credit risk, relationship managers, and portfolio management to oversee the end-to-end loan process from hand-off through closing, while keeping clients

Qualifications

• Bachelor’s degree in finance, economics, business, or related field.
• MBA will be considered an asset.
• Strong analytical and problem-solving skills.
• Excellent communication and interpersonal abilities.
• Proficiency in financial modeling, credit analysis tools, and banking software.
• Ability to handle sensitive client information with discretion and integrity.
• 3-5+ years of credit risk experience in financial services with specialty lending/SBL.
• In-depth knowledge of bank loan, deposit, mortgage and credit products.
• Knowledge of credit capabilities and risk management philosophy.
• Experience with secured lending including investment real estate, aircraft, bridge loans.

Responsibilities

• Evaluate and approve lending requests for private banking/UHNW clients, including specialty lending products.
• Knowledgeable on Citizens Private Bank's credit policy, lending origination systems, and regulatory requirements.
• Maintenance of a high level of quality control for verifying accuracy of financial and loan documents.
• Manages end-to-end loan process with clients, internal/external partners from inquiry through post-closing.
• Monitors pipeline to ensure loan workflow is efficient and meeting closing deadlines.
• Review financial statements, credit history, and other documentation to assess creditworthiness.
• Maintain an ongoing dialogue with existing borrowing clients.
• Advise, negotiate and execute loan structures.
• Stay current on Citizen’s Private Bank’s lending products, regulatory requirements, and market conditions.
• Work with other Private Bank teams, investment advisors, and trust services to deliver lending solutions.
• Ensure all lending activities comply with internal policies, regulatory standards, and fiduciary obligations.

Skills

Analytical skills

Communication skills

Credit analysis

Financial modeling

Discretion and integrity

SBL knowledge

Industry knowledge

Education

Bachelor’s degree in finance/economics/business

MBA considered an asset

Tools

Credit analysis tools

Banking software

Job description

Citizens Private Bank is seeking a Private Bank, Specialty Lending & Custom Credit Associate to collaborate with the relationship banking team to tailor credit solutions for UHNW clients. You will focus on lending transactions, underwriting, and credit analysis in line with credit policy and regulatory requirements.

You will coordinate with credit risk, relationship managers, and portfolio management to oversee the end-to-end loan process from hand-off through closing, while keeping clients