Job Details

Description

While in this role, you will work in a team environment and analyze, underwrite, and present credit recommendations on Commercial loan requests and/or modifications. Furthermore, your analysis will include in-depth review of financial statements, tax returns and relevant credit information. Most importantly, you'll feel valued for who are and supported to achieve what's important to you, personally and professionally.

Primary responsibilities include

• Responsible for proactive credit and risk administration of assigned portfolio accounts.
• Responsible for structuring, underwriting, and documenting new business, renewals and modifications as the credit expert within the first line of defense.
• Provides client management support for assigned portfolio.
• Direct client interaction on standard credit and risk follow-up issues.
• Actively engages with relationship managers on progress, issues, and challenges regarding a particular customer relationship or portfolio concern.
• Handles multiple demands and competing priorities while meeting deadlines and schedules associated with maintaining portfolio and compliance with credit and risk policies.
• Manages moderately complex credits.

Qualifications, Education, Certifications and/or Other Professional Credentials

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field; advanced degree or formal credit training preferred.
• 3–5 years of experience in commercial credit underwriting, portfolio management, or related financial analysis roles.
• Strong understanding of financial statement analysis, tax return interpretation, and credit risk assessment.
• Proven ability to structure, underwrite, and document commercial credit transactions, including new business, renewals, and modifications.
• Familiarity with bank credit policies, risk rating systems, and regulatory requirements.
• Demonstrated experience managing a moderately complex credit portfolio, including direct client interaction and issue resolution.
• Excellent communication and interpersonal skills to collaborate with relationship managers and internal stakeholders.
• Strong organizational and time management skills with the ability to handle multiple priorities and meet deadlines.
• Proficiency in Microsoft Office Suite and credit analysis tools or platforms.

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: M-F

Pay Transparency

The salary range for this position is $132 - $142k per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the 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

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

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.