Senior Financial Statement Spreader – Loan Servicer

Citizens Bank; Johnston (RI); On-site; USD 65,000 - 90,000; Full time

Job summary

Citizens Bank in Johnston, RI is seeking a Commercial Operations Loan Servicer III (Financial Statement Spreading) to analyze borrower financial statements and accurately capture information in spreading systems, ensuring consistency with bank standards.

The role emphasizes attention to detail, independent work, and collaboration with Commercial Banking, Credit, and other stakeholders to support credit decisions and portfolio management.

Qualifications

• High School Diploma or GED required.
• Experience reviewing financial statements and related accounting data.
• Knowledge of balance sheets, income statements, and cash flow concepts.
• Strong analytical, reconciliation, and problem-solving skills.
• Ability to manage multiple assignments and deadlines.
• Excellent written and verbal communication.
• Ability to identify discrepancies and escalate when needed.

Responsibilities

• Analyze borrower financial statements and accurately spread data in analysis systems.
• Review balance sheets, income statements, and other financial information per conventions.
• Perform quality-control reviews and reconcile data to source docs.
• Process various statement periods (annual, interim, YTD).
• Identify discrepancies and pursue clarification as needed.
• Support credit decisions, covenant monitoring, and portfolio management.
• Maintain records of spreading activity and collaborate with stakeholders.
• Provide guidance to less experienced teammates.

Skills

Financial statement analysis

Analytical skills

Attention to detail

Multitask / prioritize

Communication skills

Education

Bachelor's degree in Accounting, Finance, Business Administration

Tools

Financial spreading software

Credit analysis workflows

Job description

Citizens Bank in Johnston, RI is seeking a Commercial Operations Loan Servicer III (Financial Statement Spreading) to analyze borrower financial statements and accurately capture information in spreading systems, ensuring consistency with bank standards.

The role emphasizes attention to detail, independent work, and collaboration with Commercial Banking, Credit, and other stakeholders to support credit decisions and portfolio management.