Business Banking Ops UW PM IV

Citizens • Westwood, MA • 2d ago

Description

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

10+ years of experience and exhibited competency in various aspects of commercial lending /portfolio management including financial analysis and credit structuring, understanding and applying credit policy, and credit monitoring and risk administration practices.

Exhibits superior level of knowledge of financial analytical, loan structuring, commercial products, credit, risk and administration practices and processes.

Expected to have credit and documentation experience as well as practical and conceptual knowledge of credit and risk analysis.

Able to maintain good communication across business unit and broader organization.

Education

Bachelor's Degree in Business Administration, Finance, Accounting and/or Economics

Master's Degree in relevant fields preferred

Hours & Work Schedule

Hours per Week: 40

Work Schedule: M-F

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.

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.

Similar Jobs

Staff Accountant

Robert Half • Franklin, MA • 2h ago

Finance, Accounting & Banking

Description Our exclusive client, located in Franklin center has an immediate need for a Staff Accountant. The Staff Accountant position will be a well-rounded role with full responsibility for the general ledger includi...

2h ago

Go to Apply

Consulting Services - Manager - Finance Strategy

Deloitte • Boston, MA • 6h ago

Finance, Accounting & Banking

Finance Strategy Manager Step into a role where you'll help shape the future of finance. As part of our Finance Transformation team, you'll collaborate with Finance and Technology leaders to solve their most complex chal...

6h ago

Go to Apply

Finance Operate - AVP, Product Management

Deloitte • Boston, MA • 6h ago

Finance, Accounting & Banking

Step into a role where you'll help shape the future of finance. As part of our Finance Transformation team, you'll collaborate with CFOs, finance leaders, and executive clients to solve their most complex challenges. Lev...

6h ago

Go to Apply

Director, Strategy & Operations - M&A, Finance

Dynatrace • Boston, MA • 6h ago

Finance, Accounting & Banking

Your role at Dynatrace About Us: The Transformation Office comprises industry-leading professionals dedicated to revolutionizing business operations, driving strategic alignment and collaboration across Dynatrace. Our pr...

6h ago

Go to Apply

Asst Dir. Customer Service, Finance

Boston University • Boston, MA • 6h ago

Finance, Accounting & Banking

Position Type Full-Time/Regular The Assistant Director, Customer Service is a key member of the Student Financials team and works closely with students from Boston University, as well as with staff from Enrollment Servic...

6h ago

Go to Apply

Finance Business Partner - BA and C

Sanofi Group • Framingham, MA • 6h ago

Finance, Accounting & Banking

Job Title: Finance Business Partner - BA and C Location : Cambridge, MA Morristown, NJ, Framingham, MA About the Job Ready to push the limits of what's possible? Join Sanofi in one of our corporate functions and you can...

6h ago

Go to Apply

Finance Business Partner - BA and C

Sanofi Group • Cambridge, MA • 6h ago

Finance, Accounting & Banking

6h ago

Go to Apply

Summer 2026 MBA Internship - Finance & Human Resources

Humana • Boston, MA • 6h ago

Finance, Accounting & Banking

Become a part of our caring community and help us put health first Humana is seeking MBA Interns to join for Summer 2026! Humana's MBA Summer Internship Program offers a unique opportunity for MBA students to contribute...

6h ago

Go to Apply

Finance Operate - Master Business Analyst (Manager)

Deloitte • Boston, MA • 7h ago

Finance, Accounting & Banking

7h ago

Go to Apply

Banking Payments Transformation Consultant - Senior Manager

PwC • Boston, MA • 22h ago

Finance, Accounting & Banking

Specialty/Competency: Operations Industry/Sector: FS X-Sector Time Type: Full time Travel Requirements: Up to 80% At PwC, our people in operations consulting specialise in providing consulting services on optimising oper...

22h ago

Go to Apply

Subscribe to get new jobs sent directly to you
(no charge, cancel anytime)

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.