- Lead or participate in independent, qualitative, and quantitative assessments of portfolios and transactions, including evaluations of the structure of facilities to multiple borrower types encompassing a wide range of products provided to commercial counterparties.
- Assess the risk management and credit stewardship of individual counterparties and portfolios, including compliance with relevant credit policies as part of the Citizens policy framework.
- Interact with credit and business executives and staff to collect and interpret findings, providing verbal feedback and written reporting with conclusions on the adequacy of all aspects of loan underwriting and monitoring.
- Escalate issues, including the handling of sensitive or difficult messages and less than satisfactory ratings.
- Identify risk issues and formulate practical recommendations to (i) remediate or rectify deficiencies, (ii) improve business and risk processes, (iii) amend counterparty and macro risk appetite statements, and (iv) enhance policies, procedures, and credit risk reporting.
- Represent Credit Review in meetings with internal and external stakeholders, including regulatory agencies.
- Assist the Business Unit Director with annual and quarterly planning, reporting, and budgeting.
- Assess loan structure and the quality and accuracy of underwriting, identify key risks, and provide an overall evaluation of the credit decision.
- Ensure accuracy of borrower risk ratings using internal risk rating models and regulatory risk rating criteria.
- Assess compliance of loan transactions against bank credit policies, standards, and risk appetite parameters.
- Identify potential weaknesses and emerging trends at transaction and portfolio levels.
- Use communication and influencing skills to resolve issues and evaluate solutions for inclusion in examination reports.
- Summarize findings and recommendations in concise, written reports distributed to executive management and regulatory agencies.
- Define, lead, and manage strategic initiatives, including Targeted Reviews and special projects as needed in support of Credit Review's objectives.
- Develop collaborative relationships with bank stakeholders and foster a positive work environment consistent with Citizens' values and CREDO.
- 10+ years of credit risk experience in one of these areas: credit review, loan structuring and underwriting, or loan workout, with experience in middle market and large corporate commercial lending.
- Solid understanding of US regulatory rating framework and US regulatory requirements for credit risk management, including origination, underwriting, and portfolio management.
- Knowledge of middle market and large corporate lending including sponsor-lead leveraged loans, derivatives, and syndicated facilities.
- Experience with reviewing, underwriting, or approving credits in a wide range of sectors such as oil and gas, high technology, media, asset-backed finance, and healthcare; knowledge of correspondent bank analysis is a plus but not required.
- Experience and knowledge of risk rating models and regulatory risk rating definitions.
- Strong communication skills, both oral and written, with an ability to synthesize complex messages for an executive audience.
- Experience interacting with supervisory agencies, external auditors, and senior executives.
- Strong negotiation skills with the ability to defend an independent position in a constructive manner.
- Proven ability to work in a team environment, lead project teams, and prioritize workload to ensure deadlines are met.
- Self-motivated, with ability to work independently in a geographically-dispersed environment.
- BA or BS degree required; MBA or other advanced degree or certification is a plus.
- Hours per Week: 40
- Work Schedule: Monday - Friday, 8:30 am to 5:00 pm
- Hybrid - Minimum of three days per week in office
-
Clinical Pharmacist
1 week ago
Prospect Medical Holdings, Coordinated Regional Care Johnston, United StatesClinical Pharmacist · Full time · Coordinated Regional Care · Johnston, Rhode Island · The Clinical Pharmacist is accountable for closing payer clinical care gaps, providing medication therapy management (MTM) for high risk patients, and providing physician and patient support . ...
-
Credit Risk Analytics
1 week ago
Citizens Johnston, United States Full timeThe Credit Risk Sr Professional will be responsible for managing key Credit Risk project execution across business areas. The incumbent will use modeling techniques to be able to build and optimize credit strategies, while staying on top of credit performance. Will assist in the ...
-
Estimating Manager
6 days ago
Hire DSM Johnston, United StatesJob Overview: · The Estimating Manager is charged with managing and coordinating the estimators and estimating process and owning the estimate completeness. The Estimating Manager is also expected to be able to perform all estimating duties quickly and accurately when needed. · J ...
-
Securities Principal Control Analyst
1 week ago
Citizens Johnston, United States 1STDescription · The Principal Control Analyst, is responsible for conducting supervisory reviews of submitted investment / insurance business and may be responsible for executing final principal determination for the submitted business on behalf of the firm. The incumbent is also r ...
-
Property Manager
5 days ago
Goodwin Recruiting Johnston, United StatesTo Apply for this Job Click Here · We seek an experienced residential Property Manager responsible for maintaining the integrity of the portfolio physical assets and maximizing the returns from the asset in accordance with our mission, vision, and objectives. · Property Manager ...
-
Senior React Developer
1 week ago
Cognizant North America Johnston, United StatesSenior React Developer · Cognizant's Digital Engineering practice is seeking a highly qualified Senior React Engineer. You will be part of a digital software team that works on high-demand applications. Our engineers have a passion for high-quality, reliable, and maintainable cod ...
-
Group Homes Manager
4 days ago
ChildServe Johnston, United States Full timeDescription · As a Group Homes Manager , you will be responsible for successful management of policies, processes, and systems within the SCL and ICF Homes, and for demonstrating the organizational values in the day-to-day operation of the Homes service. · About ChildServe Grou ...
-
Brokerage Client Service Specialist
1 week ago
Citizens Johnston, United States Full timeCitizens Financial Group, Inc. is one of the nation's oldest and largest financial institutions, with $220.4 billion in assets as of March 31, ns Securities Inc. helps its customers reach their potential by listening to them and understanding their needs to offer tailored advice, ...
-
Claims Examiner
5 days ago
Heritage Insurance Johnston, United StatesClaims Examiner · This role is a Hybrid Role: · After 90 days (in good performance standing), three days in the office and two days out · Position Summary: · Investigates, evaluates, reserves, negotiates and settles assigned claims in accordance with Best Practices. Provides qual ...
-
Maintenance Supervisor
5 days ago
EDL Johnston, United StatesKey Areas of Responsibility · Directly responsible for the results and supervision of plant maintenance related activities and objectives. Supervision includes hiring, scheduling, directing, performance management, training and other related issues. · Assisting in preparing and ...
-
Sr Corporate Treasury Auditor
2 weeks ago
Citizens Johnston, United States 1STDescription · Senior Auditor - Treasury, Accounting, and Corporate Finance · The Internal Audit team at Citizens is hiring a Senior Auditor for our Treasury, Accounting and Corporate Finance audit team. The Internal Audit team is comprised of skilled professionals with the missio ...
-
Securities Principal Control Professional
1 week ago
Citizens Johnston, United States 1STDescription · The CSI Principal Control Professional is responsible for conducting supervisory reviews of submitted new account, options, and margin applications; investment and insurance business, and independently decides on approving/declining submitted transactions on behalf ...
-
Licensed Clinical Therapist
1 week ago
LifeSpan Johnston, United States Full timeSummary: · Provide outpatient individual family and group therapy to adults with behavioral health disorders adhering to best practice treatment strategies effective for their diagnostic needs. Treatment is provided in a clinic setting. In addition to mood and anxiety disorders ...
-
Customer Service Representative- Access
2 weeks ago
Citizens Johnston, United States 1STDescription · When there's a question about your finances, you want answers and support fast. Our customers rely on our Contact Center Specialists to help them understand, and make sense of, general needs with their accounts including balance inquiries, basic maintenances, transf ...
-
Legal Internship
1 week ago
FM Global Johnston, United States InternshipSHIPFM Global is a leading property insurer of the world's largest businesses, providing more than one-third of FORTUNE 1000-size companies with engineering-based risk management and property insurance solutions. FM Global helps clients maintain continuity in their business operation ...
-
Legal Internship
1 week ago
FM Global Johnston, United States InternshipSHIPResponsibilities · FM Global is a leading property insurer of the world's largest businesses, providing more than one-third of FORTUNE 1000-size companies with engineering-based risk management and property insurance solutions. FM Global helps clients maintain continuity in their ...
-
First Line Risk Sr Manager
1 week ago
Citizens Bank Johnston, United StatesAt Citizens, we're more than a bank and as a part of our team you're made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself As the First Line Risk Senior Manager, you will represent the First Line of Defense and identify and mitigate ...
-
Securities Principal Control Analyst
1 week ago
Citizens Johnston, United StatesJob Description · Description · The Principal Control Analyst, is responsible for conducting supervisory reviews of submitted investment / insurance business and may be responsible for executing final principal determination for the submitted business on behalf of the firm. The i ...
-
Accounts Payable Specialist
8 hours ago
JR Vinagro Corporation Johnston, United StatesJR Vinagro is seeking a full time, Accounts Payable Specialist to join our team. · As an Accounts Payable Specialist, you will be responsible for performing Accounts Payable tasks including reviewing purchase orders, invoices, contracts, and other documents to ensure that all pur ...
-
First Line Risk Sr Manager
6 days ago
Citizens Johnston, United StatesAt Citizens, were more than a bank and as a part of our team youre made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself As the First Line Risk Senior Manager, you will represent the First Line of Defense and identify and mitigate p ...
Sr Credit Review Manager - Johnston, United States - Citizens Financial Group, Inc.
Description
Job DescriptionSenior Credit Review Manager - Wholesale and Capital Markets
The Senior Credit Review Manager is a member of the bank's Credit Review function. Credit Review is an independent team reporting to the bank's Audit Committee and is responsible for oversight of all bank lending activities. The Senior Credit Review Manager is responsible for the independent evaluation of Commercial Banking loan transactions, credit portfolios, and credit risk management practices.
As the Senior Credit Review Manager, you will be responsible for managing portfolio reviews, in which we assess the quality of portfolios and transactions, including adherence to bank policies and procedures and regulatory guidance. Through written reports to senior management, the Senior Credit Review Manager will provide an independent assessment of the accuracy of assigned risk ratings, the quality of loan underwriting, and adherence to defined risk appetite standards. Working individually or as part of a review team, the Senior Credit Review Manager will use their expertise to identify existing or potential issues in underwriting and portfolio management and assist in formulating practical solutions to help reduce risk to the bank. This high-profile role provides an opportunity for extensive interactions with the bank's senior management team.
Primary responsibilities include
Equal Employment Opportunity
At Citizens we value diversity, equity and inclusion, and treat everyone with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. 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 (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), 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.
Equal Employment and Opportunity Employer
Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.
Job Applicant Data Privacy Policy
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.
