Commercial Senior Credit Officer

Commercial Senior Credit Officer

Citizens is currently recruiting for a Commercial Senior Credit Officer to support its Asset Finance line of business. This role is a highly visible leadership role requiring line of business expertise, excellent credit skills, and strong decision making and interpersonal skills. The Senior Credit Officer will be responsible for evaluating, analyzing, and approving credit proposals relating to equipment financing transactions. This role requires a deep understanding of credit risk principals, financial analysis, asset valuation and specific knowledge of the leasing and equipment finance industries. The successful candidate will work closely with sales, portfolio management and legal teams to ensure credit quality and regulatory compliance, while supporting business objectives.

Responsibilities :

• Serve as the primary credit approver for complex and high-exposure leasing transactions across multiple industries.
• Evaluate and act on credit opportunitiesincluding new originations, renewals, and modificationsby approving, declining, or escalating recommendations to the appropriate higher authority.
• Provide independent credit risk assessment and decision-making in alignment with the bank's risk appetite and regulatory expectations.
• Partner with front-line business units to structure transactions that balance client needs with prudent risk management.
• Oversee portfolio monitoring, including risk rating accuracy, concentration risk, and early identification of problem credits.
• Lead or contribute to credit policy development, underwriting guidelines, and risk-adjusted return frameworks specific to leasing.
• Engage in client facing due diligence and assist business partners with originating and onboarding new credit relationships.
• Ensure all credit delivery activities have been completed in a timely, efficient and prudent manner while facilitating an environment for the efficient delivery to customers of products and services that require credit exposure.
• Provide leadership in conjunction with first line business partners in establishing credit culture, risk appetite, and business strategy.

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