Business Banking Ops Underwriting PM IV

Underwriting And Portfolio Management Position

The Underwriting (UW IV) portion of this position is responsible for reviewing and underwriting loan requests under Commercial Credit Policy up to TCL $15MM. Underwriting and recommendations should be based on sound credit judgment with particular emphasis on adherence to credit policy and requirements, financial analysis / modeling, risk evaluation and mitigation and proper loan structuring. The UW IV will independently interact with Senior Management, Sales Team, and Credit Officer, to discuss and resolve risk related issues. The UW IV will perform the functions of the position with periodic oversight and is expected to perform with reasonable to general supervisory intervention.

The Portfolio Management (PM IV) piece is responsible for effective credit administration with particular emphasis on adherence to credit policy and requirements, financial analysis / modeling, risk evaluation, and on-going portfolio maintenance activities. Responsible for ensuring overall portfolio performance and asset quality remains strong and independently develops strategies and actions to resolve issues that could increase risk and / or create loss for the Bank. Manage relationships with TCL between $1MM - $15MM, with particular emphasis on larger (>

$3MM) more complicated relationships. Independently interact with Senior Management, Sales Team, Credit Officer and CRM, in order to discuss and resolve risk related issues. Direct interaction with customers may be required, in order to discuss and resolve risk related issues. Independently reviews financials and makes recommendations for approval of annual review / renewal and / or modifications within delegated lending authority.

Primary Responsibilities Underwriter IV :

• Evaluates appropriateness of loan structure with Relationship Managers as needed to meet client needs for new loans while ensuring the Bank's credit risk profiles are maintained.
• Assures compliance with Commercial Credit Policy and Risk Acceptance Criteria.
• Applies credit skills, product knowledge, industry analysis, and sound judgment to assess and manage credit risk effectively.
• Exhibits knowledge of various types of loan terms, structures, and conditions and understanding of loan documentation.
• Credit experience and skill set with complex credits, including various organizational structures, covenant structures and / or collateral structures.
• Consistently adheres to all Service Level Agreements.

Portfolio Manager IV :

Qualifications :

Education :

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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.

Why Work for Us :

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth.

Background Check :

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.