Business Banking Underwriting PM II

Business Banking Operations Underwriter

As the Business Banking Operations Underwriter PM II (UW II), you will be responsible for the daily underwriting of Business Lending Products within the Citizens footprint up to a Total Credit Limit (TCL) of $1,000,000. The application decisions are made in a centralized environment utilizing a Streamline underwriting and credit decision approach. All application decisions are within authorized credit authority limits. This role also provides support to field personnel as it relates to the conditions, rate, credit risk, financial / cash flow analysis and overall lending decision. Primary responsibilities include :

• Underwriting business credit applications independently using sound judgment, within an established single credit / lending authority limit.
• Reviewing all underwriting criteria, business and personal tax returns, CPA prepared financials, Company prepared financials, collateral, interest rate, fees and specific due diligence required for final approval.
• Analyzing external personal credit and business credit bureau reports and scores for the business and guarantors and all associated deposit accounts.
• Meeting production expectations as measured by goal setting.
• Working with Business Banking Operations Closing to move approved applications through the process for quick closings.
• Reviewing / discussing second looks applications with the sales force, Underwriting Manager and / or Closing team.
• Assisting Portfolio Management with annual reviews and portfolio monitoring.

Qualifications :

Hours & Work Schedule :

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.

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.

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.