Private Bank, Residential Lending Team Manager

Citizens Bank, N.A.; Johnston (RI); On-site; USD 187,000 - 229,000; Full time

Benefits offered by this job

Medical, dental and vision coverage

Retirement benefits

Maternity/paternity leave

Flexible work arrangements

Education reimbursement

Wellness programs

Job summary

Citizens Bank is seeking a Private Bank, Residential Lending Team Manager to lead a high-performing team of Residential Lending Specialists in Johnston, RI. You will drive pipeline management, complex deal underwriting, and collaborative execution with sales and processing to deliver exceptional client service.

You will mentor staff, resolve escalations, monitor KPIs, and contribute to strategic initiatives for growth in a private banking context serving HNW clients.

Qualifications

• 5–10 years of progressive residential real estate underwriting experience, including complex lending scenarios.
• 5+ years of direct people leadership experience, with demonstrated success leading residential lending professionals.
• Bachelor's degree required.
• Experience supporting Private Banking and/or high-net-worth clients preferred.

Responsibilities

• Oversee the residential lending pipeline from application to closing, optimizing throughput and KPI tracking.
• Handle complex loan applications with advanced underwriting guidance and deal structuring support.
• Provide day-to-day supervision, coaching, and mentorship to Residential Lending Specialists.
• Act as escalation point for pipeline issues and proactively mitigate risks.
• Collaborate with sales, processing, and closing teams to ensure seamless transactions and updates.

Skills

Residential lending

Leadership

Underwriting

Pipeline management

Stakeholder communication

Education

Bachelor's degree

Job description

Description

As we expand our team in key growth markets, we are looking for a Private Bank, Residential Lending Team Manager to lead and inspire a high-performing team of Residential Lending Specialists. Incumbant will drive operational excellence in day-to-day pipeline management and underwriting complex loan transactions. Serve as the primary escalation point for pipeline challenges, providing expert guidance and solutions to ensure seamless loan processing and exceptional client service. This role requires a deep understanding of residential lending, exceptional leadership skills, and a proven ability to navigate complex deals while fostering a collaborative and results-oriented environment.

Primary responsibilities include

• Pipeline Management & Optimization: Oversee the residential lending pipeline, ensuring efficient loan processing from application to closing. Proactively identify and address bottlenecks, implement process improvements, and monitor key performance indicators (KPIs) to maximize productivity and meet service level agreements.
• Complex Deal Underwriting:As needed, personally handle the more complex and challenging loan applications, leveraging advanced underwriting expertise to assess risk and make sound lending decisions. Provide guidance and support to team members on structuring complex deals.
• Team Leadership & Mentorship: Provide day-to-day supervision, training, coaching, and mentorship to Residential Lending Specialists. Foster a positive and collaborative team environment, promoting continuous learning and professional development.
• Escalation Point & Problem Solver:Serve as the primary point of contact for escalated pipeline issues, providing timely and effective solutions to resolve complex problems and remove roadblocks. Proactively identify and mitigate potential risks.
• Collaboration & Communication: Effectively collaborate with internal partners, including sales, processing, and closing teams, to ensure seamless loan transactions. Maintain open communication with stakeholders, providing regular updates on pipeline status and key initiatives.
• Performance Reporting & Analysis:Monitor and analyze key performance metrics, providing regular reports to management on pipeline activity, loan quality, and team performance. Identify trends and opportunities for improvement.
• Strategic Initiatives: As needed, contribute to the development and implementation of strategic initiatives to enhance the residential lending platform, improve efficiency, and drive business growth.

Qualifications, Education, Certifications and/or Other Professional Credentials

• 5–10 years of progressive residential real estate underwriting experience, including expertise in complex lending scenarios, required.

• 5+ years of direct people leadership experience, with demonstrated success leading and developing residential lending professionals, required.

• Bachelors Degree Required

• Experience supporting Private Banking and/or high-net-worth (HNW) clients and complex residential lending needs strongly preferred.

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: M-F 8:00-5:00

Pay Transparency

The salary range for this position is $187,000.00 - $229,000.00 per year, plus an opportunity to earn additional incentive earnings. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide 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, 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 all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.