Specialty Lending, Custom Credit Associate (PB Consumer)

Citizens Financial; United States; Ibrido; USD 115.000 - 145.000; Tempo pieno

Descrizione del lavoro

Citizens Financial is seeking a Private Bank Lending professional to evaluate and approve complex lending requests for UHNW clients, including specialty products like securities-based and custom lending. The role requires strong credit risk expertise and thorough knowledge of policy and regulatory requirements.

You will manage the full loan lifecycle, coordinate with internal teams, and ensure accurate documentation while maintaining high standards of client service and compliance.

Competenze

• Bachelor's degree in finance, economics, business, or related field required.
• 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.
• Understanding of overall credit capabilities and risk management philosophy.

Mansioni

• Evaluate and approve lending requests for private banking/UHNW clients, including specialty lending products.
• Know Citizens Private Bank's credit policy, origination systems, and regulatory requirements.
• Maintain high quality control for verifying loan documents.
• Manage end-to-end loan process from inquiry through post-closing with partners.
• Monitor pipeline to ensure timely closings.
• Review financial statements and credit history to assess creditworthiness.
• Maintain ongoing dialogue with borrowing clients.
• Advise, negotiate and execute loan structures.
• Stay current on lending products, regulatory requirements, and market conditions.
• Collaborate with Private Bank teams, investment advisors, and trust services to deliver lending solutions.
• Ensure lending activities comply with policies and fiduciary obligations.

Conoscenze

Analytical skills

Communication

Financial modeling

Credit analysis

Banking software

Discretion

Credit risk experience

Lending products

Formazione

Bachelor's degree in finance/economics/business

MBA asset

Strumenti

Origination systems

Descrizione del lavoro

Job Responsibilities

• Evaluate and approve lending requests for private banking/UHNW clients, including specialty lending credit 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.
• 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 (e.g., presents loan to Credit Officer for approval, locks & submits loans, collects conditions, assists with closing coordination and any post-closing requests).
• Monitors pipeline to ensure loan workflow is efficient and meeting closing deadlines. investment-related financing.
• Review financial statements, credit history, and other documentation to assess creditworthiness and recommend lending terms.
• 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.

Required Qualifications, Capabilities, Skills

• Bachelor's degree in finance, economics, business, or a related field. MBA will be considered an asset.
• Strong analytical and problem-solving skills.
• Excellent communication and interpersonal abilities to interact with clients and colleagues.
• 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, ideally in the financial services industry with experience in specialty lending, custom lending, or securities-based lending (SBL)
• In-depth knowledge of bank loan, deposit, mortgage and credit products
• Ability to understand the overall credit capabilities and risk management philosophy of the firm
• Experience and proven success with banking concepts including, but not limited to: marketable secured lending, investment real estate loans, concentrated collateral loans, aircraft lending, owner-occupied commercial real estate and bridge loans

Work Structure:

• Full-Time Position; Monday-Friday
• 40 Hours
• 4 days in office/1 day work from home in one of the required location(s) listed

Pay Transparency

The salary range for this position is $115,000.00 - $145,000.00 per year, plus an opportunity to earn additional incentive. 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 .