Private Bank: Custom Credit Associate & Lending Expert

Citizens Wealth Management Group; San Francisco (CA); Hybrid; USD 115.000 - 145.000; Vollzeit

Benefits dieser Stelle

Medical coverage

Dental coverage

Vision coverage

Retirement benefits

Flexible work arrangements

Education reimbursement

Wellness programs

Zusammenfassung

Citizens Private Bank in San Francisco is seeking a Private Bank Credit Associate to join the relationship banking team. You will focus on lending transactions, underwriting, and credit analysis in line with the bank's policy and regulatory requirements, serving as the main point of contact for internal and external parties.

Responsibilities include evaluating requests for private banking credit products, maintaining high data quality, managing end-to-end loan processes from inquiry to closing,

Qualifikationen

• Bachelor’s degree in finance or related field; MBA asset considered.
• Strong analytical and problem-solving skills.
• Excellent communication and interpersonal abilities.
• Proficiency in financial modeling and credit analysis tools.
• Ability to handle sensitive client information with discretion.
• 3–5+ years of credit risk experience in financial services.
• Knowledge of bank loan, deposit, mortgage and credit products.
• Understanding of credit risk management philosophy.
• Experience with specialty lending including SBL and custom lending.
• Ability to assess lending structures and negotiate terms.

Aufgaben

• Evaluate and approve lending requests for private banking/UHNW clients, including specialty lending products such as custom lending, partner lending, and SBL.
• Knowledgeable on Citizens Private Bank's credit policy, lending origination systems, and regulatory requirements involved in private bank lending.
• Maintain a high level of quality control for verifying accuracy of financial and loan documents.
• Manage end-to-end loan process with clients and partners from inquiry through post-closing (e.g., presents loan to Credit Officer for approval, locks & submits loans, collects conditions, assists with closing coordination).
• Monitors pipeline to ensure loan workflow is efficient and meeting closing deadlines.
• Review financial statements, credit history, and other documentation to assess creditworthiness and recommend lending terms.
• Maintain ongoing dialogue with existing borrowing clients.
• Advise, negotiate and execute loan structures.
• Stay current on Citizens 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.

Kenntnisse

Analytical skills

Communication skills

Financial modeling

Credit analysis tools

Credit risk experience

Specialty lending

Banking products knowledge

Risk management

Marketable secured lending

Investment real estate loans

Ausbildung

Bachelor’s degree

MBA asset

Tools

Banking software

Credit origination systems

Jobbeschreibung

Citizens Private Bank in San Francisco is seeking a Private Bank Credit Associate to join the relationship banking team. You will focus on lending transactions, underwriting, and credit analysis in line with the bank's policy and regulatory requirements, serving as the main point of contact for internal and external parties.

Responsibilities include evaluating requests for private banking credit products, maintaining high data quality, managing end-to-end loan processes from inquiry to closing,