Business Banking Ops Underwriting Portfolio Manager IV

Business Banking Operations Underwriter PM IV (UW IV)

As the Business Banking Operations Underwriter PM IV (UW IV) , you will be responsible for reviewing and underwriting loan requests under Business Banking Credit Policy up to TCL $15MM. The incumbent will be responsible for underwriting and making recommendations based on sound credit judgment with particular emphasis on adherence to credit policy and requirements, bank's risk culture, financial analysis / modeling, risk evaluation and mitigation, and proper loan structuring. This role is responsible for underwriting and recommending for approval within SLAs and meeting production requirements. The Business Banking Operations Underwriter PM IV will independently interact with senior management, sales team, credit product managers and credit officers in order to discuss and resolve risk related issues. This role independently reviews financials, proposed loan structure, collateral and due diligence and makes recommendations of new money requests for approval. Aggressively seeks alternative means of financing or counter offers for all borrowers when it is determined that the original request cannot be accommodated. This role will perform the functions of the position with periodic oversight and is expected to perform with reasonable to general supervisory intervention. They will be responsible for underwriting the simple and complex relationships within the group.

Primary Responsibilities Include

• Evaluates appropriateness of loan structure with Relationship Managers and Credit Product Managers as needed to meet client needs for new loans while ensuring Citizens' credit risk profiles are maintained.
• Assumes responsibility to protect and preserve the integrity of Citizens' risk appetite while accurately assessing and managing risk.
• Assures compliance with Business Banking Credit Policy and risk acceptance criteria.
• Effectively maintains high quality credit file documentation in a paperless environment.
• 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.

Qualifications

Education

Hours & Work Schedule

Pay Transparency

The salary range for this position is $120,000 - $145,000 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 https : / / jobs.citizensbank.com / benefits .